Best Credit Cards With Primary Rental Car Insurance of 2024

Our specialists reply readers’ bank card questions and write unbiased product evaluations (here is how we assess bank cards). In some instances, we obtain a fee from our companions; nevertheless, our opinions are our personal. Phrases apply to presents listed on this web page.

The data for the next product(s) has been collected independently by Enterprise Insider: Hilton Honors American Categorical Aspire Card. The small print for these merchandise haven’t been reviewed or offered by the issuer.

You could already know that many of the finest journey bank cards provide some type of rental automotive insurance coverage. It is an awesome profit as a result of it may possibly save customers important cash within the case of harm or theft to your rental.

However you might not know the way dramatically completely different these coverages might be, relying on the cardboard. 

Listed here are one of the best bank cards with main rental automotive insurance coverage out there proper now.

We’re centered right here on the rewards and perks that include every card. These playing cards will not be value it when you’re paying curiosity or late charges. When utilizing a bank card, it is vital to pay your stability in full every month, make funds on time, and solely spend what you possibly can afford to pay.

Greatest Credit score Playing cards for Main Rental Automobile Insurance coverage

Greatest Credit score Playing cards for Automobile Leases

Methodology: How we selected one of the best bank cards for main rental automotive insurance coverage

Insider’s bank card specialists checked out the entire main bank cards in the marketplace that include automotive rental insurance coverage, and narrowed down the record primarily based on varied components:

• Protection — Does the cardboard embrace ample protection for many automotive renters? Are there exclusions by nation, sort of car, or different restrictions? 
• Rewards incomes potential — Is there a powerful welcome bonus and alternatives to earn extra rewards with bonus classes? Are the classes helpful to the common traveler, and are any capped at a most quantity of spending?
• Annual payment — For playing cards that cost an annual payment, do the rewards and different advantages make it value paying?
• Choices for various kinds of customers — We picked playing cards that enchantment to completely different buyer wants, from these suited to the informal traveler, enterprise house owners, highway warriors, and folk preferring luxurious advantages.

To study extra about our methodology, learn our article on how we price bank cards at Insider.

Why it is best to belief our suggestions

Insider’s bank cards editorial crew is separate from Insider’s enterprise crew. We are going to by no means suggest playing cards that we do not genuinely suppose are an excellent deal. And we’ll strongly discourage anybody from opening bank cards that we discover to be of poor worth.

Credit score Playing cards With Main Rental Automobile Insurance coverage Ceaselessly Requested Questions (FAQ)

Greatest general

Chase Sapphire Reserve®

The Chase Sapphire Reserve® is at present providing a welcome bonus of 60,000 bonus factors after you spend $4,000 on purchases within the first three months from account opening. This bonus is value $1,080 in journey, primarily based on Insider’s factors and miles valuations. However you possibly can obtain rather more worth per level if you understand one of the best methods to make use of Chase Final Rewards® factors.

It comes with top-notch journey insurance coverage that covers you for delayed flights, missed connections, delayed baggage, and rather more. It additionally presents main rental automotive insurance coverage when paying to your reservation with the cardboard.

You will be further motivated to make this card your devoted automotive rental cost methodology now that it earns 10 factors per greenback for this expense when reserving by the Chase Final Rewards Journey Portal. Insider estimates Chase factors worth to be 1.8 cents every when used for journey — so incomes 10x factors equates to an 18% return.

The cardboard additionally earns:

• 10 factors per greenback on Lyft rides by March 2025
• 10 factors per greenback on Chase Eating purchases by Final Rewards
• 10 factors per greenback on resort stays bought by Final Rewards
• 5 factors per greenback on air journey bought by Final Rewards
• 3 factors per greenback on different journey (after incomes the $300 journey credit score) and eating
• 1 level per greenback on the whole lot else

This card comes with a $550 annual payment, however justifies its price ticket with advantages comparable to:

Chase Sapphire Reserve Credit score Card Overview

Greatest newbie journey bank card

Chase Sapphire Most well-liked® Card

The Chase Sapphire Most well-liked® Card comes with a bonus of 60,000 bonus factors after you spend $4,000 on purchases within the first three months from account opening. Insider’s valuations estimate this bonus to be value $1,080 in journey.

It is usually mentioned the Chase Sapphire Most well-liked is one of the best newbie journey bank card — and first rental automotive insurance coverage is an enormous purpose why. It is one of the crucial highly effective advantages a card can have to avoid wasting the informal traveler large cash. Even by renting a automotive for just some days, you can save $50+ by waiving the rental company’s in-house insurance coverage CDW and as an alternative masking your rental by paying with this card.

Listed here are another causes that is one of the best newbie journey card:

• It earns versatile factors which are simple to make use of
• Its bonus is efficacious and straightforward to attain for a lot of
• It covers you for frequent journey complications like journey delays and misplaced/delayed baggage
• It enhances different Chase bank cards properly
• Its annual payment is simply $95

The cardboard’s bonus classes additionally enchantment to a large demographic. Here is the return you may get to your spending:

• 5 factors per greenback on Lyft rides by March 2025
• 5 factors per greenback on all journey bought by Chase Final Rewards
• 3 factors per greenback on eating, together with eligible supply companies, takeout, and eating out 
• 3 factors per greenback on choose streaming companies
• 3 factors per greenback on on-line grocery purchases (excluding Goal, Walmart, and wholesale golf equipment)
• 2 factors per greenback on different journey 
• 1 level per greenback on the whole lot else

The Chase Sapphire Most well-liked comes with as much as $50 in annual assertion credit towards resort stays booked by Chase. You will even get complimentary DoorDash DashPass membership by December 31, 2024 (activation required), and as much as $15 per quarter in Instacart credit score by July 31, 2024 (activation required).

In different phrases, it is a heavy-hitting $95-annual-fee card.

Chase Sapphire Most well-liked Card Overview

Greatest premium journey bank card

Capital One Enterprise X Rewards Credit score Card

The Capital One Enterprise X Rewards Credit score Card presents 75,000 bonus miles whenever you spend $4,000 on purchases within the first three months from account opening. This bonus is value at the very least $1,275 in journey, primarily based on our valuation of Capital One miles — and considerably extra if you understand one of the best methods to redeem Capital One miles. 

That is one other rewards-earning monster relating to automotive leases. Not solely will you obtain main rental automotive insurance coverage, however you may earn 10 miles per greenback on rental vehicles booked by Capital One Journey.

The cardboard additionally earns:

• 10 miles per greenback on accommodations booked by Capital One Journey
• 5 miles per greenback on flights booked by Capital One Journey
• 2 miles per greenback on all different purchases

This card comes with worthwhile journey advantages comparable to:

• $300 per yr in credit towards Capital One Journey bookings 
• Precedence Cross, Plaza Premium, and Capital One airport lounge entry
• 10,000-mile bonus every account anniversary (value at the very least $100 in journey)
• Entry to the Capital One Premier Assortment luxurious resort reserving program
• World Entry or TSA PreCheck utility payment credit score

By utilizing these advantages, you can simply obtain $700+ in worth annually.

Capital One Enterprise X Rewards Credit score Card Overview

Greatest card for premium protection

The Platinum Card® from American Categorical

The Platinum Card® from American Categorical comes with a welcome bonus provide of 80,000 Membership Rewards® factors after you spend $8,000 on purchases in your new card in your first six months of card membership. Insider estimates Amex factors worth to be 1.8 cents every when used for journey, making this bonus value $1,440.

The cardboard does not provide main rental automotive insurance coverage by default. Nonetheless, you possibly can obtain main premium automotive rental safety for a flat price between $12.25 and $24.95 per rental interval (not per day), relying on the place you reside and the protection you select. It isn’t free like the opposite insurances on this record, however premium rental automotive advantages might suit your state of affairs higher:

• You will be coated for as much as 42 consecutive days, whereas most different playing cards will not enable your rental to exceed 31 consecutive days.
• You are insured for as much as $100,000 of main protection in opposition to harm or theft — the next quantity than a number of different bank cards.

You’ll be able to enroll your Amex Platinum and mechanically be coated everytime you lease a automotive. You will be charged this flat price everytime you pay for a rental along with your card.

The cardboard’s annual payment is notably excessive at $695. However the worth you may get from the Amex Platinum’s advantages is far larger. Listed here are a number of the finest ongoing perks:

• As much as $200 in airline payment credit every calendar yr
• World Entry or TSA PreCheck utility payment credit score** ($100 assertion credit score each 4 years for a World Entry utility payment or as much as $85 assertion credit score each 4.5 years for TSA PreCheck®)
• $189 per yr in credit for CLEAR® Plus membership**
• As much as $200 in credit per yr towards pay as you go resort bookings by Amex Fantastic Lodges and Resorts or The Resort Assortment (minimal two-night keep)**
• As much as $100 in Saks Fifth Avenue credit every calendar yr**
• As much as $240 in annual credit (as much as $20 per 30 days) towards eligible digital subscriptions (Hulu, ESPN+, Disney Plus+, SiriusXM, Peacock, The New York Occasions, and The Wall Avenue Journal)**
• $12.95 in credit every month towards Walmart+ membership**
• As much as $200 in Uber Money every calendar yr**
• Gold elite standing with Hilton and Marriott (enrollment required)
• Airport lounge entry (Precedence Cross**, Centurion lounges, and extra)
• Amex Fantastic Lodges and Resorts (advantages at unique luxurious properties)**
• Mobile phone safety**

It is unlikely you may use each single one in every of these advantages, however maximizing simply 4 or 5 can simply make this card a keeper.

American Categorical Platinum Card Overview

Greatest small enterprise bank card

Ink Enterprise Most well-liked® Credit score Card

The Ink Enterprise Most well-liked® Credit score Card touts among the finest welcome bonus presents within the bank card world — 100,000 factors after spending $8,000 on purchases within the first three months from account opening. Insider estimates Chase factors worth to be 1.8 cents every when used for journey, making this bonus value $1,800.

This card presents main rental automotive insurance coverage — however with a catch. You have to be renting your automotive for enterprise functions. For those who lease a automotive for leisure and ding the automotive, Chase doesn’t must entertain your insurance coverage declare. Make sure you are able to show that your journey is business-related.

The Ink Enterprise Most well-liked® Credit score Card fees a $95 annual payment, and comes with advantages like:

• 3 factors per greenback on delivery purchases, promoting purchases on social media websites and search engines like google, web, cable, and cellphone companies, and journey (as much as the primary $150,000 in mixed purchases spent every account anniversary yr (then 1 level per greenback)
• 1 level per greenback on all different purchases
• Mobile phone safety
• Glorious journey insurance coverage
• No international transaction charges

You’ll be able to qualify for small enterprise bank cards whether or not you personal an enormous company or have a part-time enterprise. Even when you’ve obtained a aspect gig as an Uber driver, Rover petsitter, freelance author, or Instacart shopper, you might be eligible.

Chase Ink Enterprise Most well-liked Card Overview

Greatest no annual payment enterprise card

Ink Enterprise Money® Credit score Card

The Ink Enterprise Money® Credit score Card is at present providing $900 bonus money again after you spend $6,000 on purchases within the first three months from account opening. That is an unimaginable bonus for a $0-annual-fee bank card.

This is among the solely no-annual-fee bank cards that supply main rental automotive insurance coverage. Merely cost your rental automotive to this card, and you will be coated in opposition to theft and harm. Nonetheless, it comes with the identical catch because the Ink Enterprise Most well-liked® Credit score Card — you are solely coated when renting a automotive for enterprise functions. For those who use the cardboard to lease a automotive throughout a private journey, you are not coated.

The Ink Enterprise Money® Credit score Card delivers the next return charges:

• 5% money again at workplace provide shops and on web, cable, and cellphone companies (on as much as $25,000 in mixed purchases annually, then 1% again)
• 2% money again at fuel stations and eating places (on as much as $25,000 in mixed purchases annually, then 1% again)
• 1% money again on all different purchases

This card is marketed as a cash-back card, however in actuality, it earns Chase Final Rewards factors. For instance, the cardboard earns 5 Chase factors per greenback at workplace provide shops — which you’ll redeem for money again at a price of 1 cent per level.

That is essential to grasp as a result of you possibly can unlock glorious worth out of your rewards when you additionally maintain one of many following playing cards:

• Chase Sapphire Most well-liked® Card
• Chase Sapphire Reserve®
• Ink Enterprise Most well-liked® Credit score Card 

These bank cards make it doable to switch the factors you earn with the Ink Enterprise Money® Credit score Card to worthwhile Chase airline and resort companions, comparable to Hyatt, Southwest, United Airways, and lots of extra.

Chase Ink Enterprise Money Credit score Card Overview

Greatest no annual payment private card

Bilt Mastercard®

One other uncommon no-annual-fee card with main automotive rental insurance coverage, the Bilt Mastercard® is a little bit of a distinct segment product in that it is geared to renters (although you actually do not must be one to open the cardboard). That is the one card that permits you to earn factors for paying lease with out extra charges, and it is obtained nice journey advantages besides, together with main automotive rental insurance coverage.

Cardholders earn rewards so long as they make at the very least 5 transactions per assertion interval, as follows:

• 1 level per greenback on lease funds (with no charges) on as much as $100,000 in lease funds yearly
• 2 factors per greenback on journey booked instantly with airways, accommodations, automotive leases, or cruise traces
• 3 factors per greenback on eating (together with meals supply companies like Uber Eats and GrubHub)
• 1 level per greenback on all different purchases

The Bilt Mastercard® does not provide a welcome bonus, but it surely does award 22,500 factors for each 5 associates or relations you seek advice from this card (with a most of two,025,000 factors). Plus, in the beginning of every month, the Bilt Hire Day promotion presents alternatives to earn much more factors.

You’ll be able to redeem factors for lease reductions, merchandise, health courses, or towards the down cost on a mortgage.

The Bilt Rewards program additionally has a powerful record of airline and resort companions to which you’ll switch factors at a 1:1 ratio, like American Airways, Hyatt, and United Airways. Along with main automotive rental insurance coverage, it presents World Elite Mastercard advantages, journey cancellation insurance coverage, mobile phone safety, journey delay insurance coverage, and buy safety.

Bilt Mastercard Card Overview

Greatest airline bank card

United℠ Explorer Card

The United℠ Explorer Card at present presents a welcome bonus of  60,000 bonus miles after you spend $3,000 on purchases within the first three months your account is open. Insider estimates the worth of United miles to be a mean of 1.3 cents every — making this bonus value $780.

This card presents main rental automotive insurance coverage when declining the rental company’s CDW and utilizing your card to pay to your rental automotive invoice. Sadly, its bonus classes do not incentivize you to make use of this card for rental vehicles. Here’s what’s on provide:

• 2 miles per greenback on eligible United purchases
• 2 miles per greenback on eating and resort stays booked instantly with the resort
• 1 mile per greenback on the whole lot else

The place this card actually shines are its ongoing advantages. For a $0 intro for the primary yr, then $95 annual payment, you may obtain:

• Two United Membership one-time passes per yr
• Free first checked bag on United flights* 
• Precedence boarding on United flights
• 25% again on United inflight purchases
• World Entry, TSA PreCheck, or NEXUS utility payment credit score
• Complimentary Premier upgrades
• 500 Premier Qualifying Factors (PQP) for each $12,000 you spend on purchases****
• Expanded entry to United award flights

The United℠ Explorer Card could be very well-rounded. The bank card’s journey insurance coverage, like main automotive rental protection, is a wonderful cherry on prime.

United Explorer Card Overview

Greatest resort bank card

Hilton Honors American Categorical Aspire Card

The Hilton Honors American Categorical Aspire Card presents 180,000 Hilton Honors bonus factors after you spend $6,000 in purchases on the cardboard inside your first six months of card membership (provide ends 1/17/2024). Insider estimates Hilton factors worth to be value 0.5 cents apiece, on common. That makes this bonus value $900 in Hilton resort stays.

Just like the Amex Platinum, you possibly can enroll this card in main premium automotive rental safety. You will pay a flat price between $12.25 and $24.95 per rental interval (once more, not per day).

The Hilton Honors American Categorical Aspire Card is among the best possible resort bank cards in the marketplace. For a $550 annual payment, you may get the next perks:

• Hilton Diamond elite standing
• Free reward night time certificates annually in your card anniversary
• One other free reward night time certificates after you spend a complete of $60,000 on eligible purchases in a calendar yr
• Precedence Cross Choose airport lounge membership
• As much as $250 in airline incidental payment credit per calendar yr
• As much as $250 in Hilton resort credit every cardmember yr
• As much as $100 in on-property credit for minimal stays of two nights at taking part Waldorf Astoria and Conrad properties

The cardboard additionally has excessive incomes charges for the next purchases:

• 14 factors per greenback spent on eligible purchases at Hilton accommodations
• 7 factors per eligible greenback spent on flights booked instantly with airways or Amex Journey, on automotive leases booked instantly with choose automotive rental firms, and at eligible US eating places
• 3 factors per greenback on all different eligible purchases

Hilton Honors Aspire Card Overview

Main vs. Secondary Automobile Rental Insurance coverage

There are two sorts of rental automotive insurance coverage that include many fashionable rewards bank cards.

The primary (and most typical) is secondary insurance coverage. This presents protection advantages which are secondary to your private auto insurance coverage coverage. Many of those advantages can help you decline the Collision Injury Waiver (CDW) and/or the Loss Injury Waiver (LDW). Waiving the rental company’s CDW will usually prevent $10-$35 in fees tacked on to the price of the rental.

Whereas secondary automotive rental insurance coverage is nice, it’s restricted. Within the occasion of harm attributable to theft or collision, automotive renters nonetheless must file a declare by their private auto insurance coverage coverage, and the secondary insurance coverage is there to cowl a portion of leftover prices. So, though it is a good perk, it does not ease the sting of getting to report back to your private insurance coverage — once more, usually with resultant premium hikes.

Main automotive rental insurance coverage signifies that protection for loss or harm can be taken care of by the bank card firm with out you having to make a declare along with your private coverage. In the long term, this might save a automotive renter considerably on each CDW and LDW, and it might assist keep away from elevating premiums on their private auto coverage.

What Main Automobile Rental Insurance coverage Does and Does Not Cowl

There are some vital issues to recollect to get probably the most out of your bank card’s automotive rental insurance coverage advantages.

• You need to pay for your entire transaction with the bank card you would be submitting the insurance coverage below. Some playing cards even require that renters are reserving your entire journey on the cardboard, so learn the advantageous print rigorously.
• This main insurance coverage usually does not embrace legal responsibility, harm to different vehicles, harm to non-public property, private bodily harm, or harm to others. See Insider’s information to buying automotive insurance coverage quotes to get this legal responsibility protection.
• Verify for not-so-obvious limitations on protection. For instance, when you’re touring between nations, you will have to know if the protection extends to these areas. Or in case your rental lasts greater than 31 days, some playing cards will not cowl you.
• Maybe probably the most surprising limitation is the kind of automotive. Earlier than assuming you are coated, verify to see in case your automotive has any constraints on make and mannequin.
• For those who’re utilizing a small-business bank card that gives main automotive rental insurance coverage, you should be renting a automotive for enterprise functions to be able to obtain the protection.

No matter protection, it is best to all the time snap a couple of photos of the car whenever you decide it up and drop it off in case there’s a dispute over harm.