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Primary coverage means the credit card's insurance will pay out beforehand any other car insurance you may have, whereas secondary coverage will take do only after your personal insurance pays. Primary coverage is also probable to have better terms and to cover the full cost of the hurt. Secondary coverage could cover less, but still offers some protection.
Best for important car rental coverage
Intro OfferEarn 60,000 bonus points when you spend $4,000 on purchases in the first 3 months from explain opening. That's $750 when you redeem through Chase Ultimate Rewards®.
APR20.24% - 27.24% Variable
Intro Purchase APRN/A
Recommended Credit Excellent/Good
- 5x on go purchased through Chase Ultimate Rewards®
- 3x on dining.
- 2x on all new travel purchases, plus more.
Annual Fee$95
Balance Transfer APR20.24% - 27.24% Variable
Balance Transfer Fee Either $5 or 5% of the amount of each second, whichever is greater.
Foreign Transaction Fees $0
Penalty APR Up to 29.99%
- 5x on go purchased through Chase Ultimate Rewards®
- 3x on dining.
- 2x on all new travel purchases, plus more.
Our Take
The Chase Sapphire Preferred is one of the best credit cards for general travelers. It has a lot of earning potential and funds a number of travel protections, including primary auto hire collision damage waiver. It has an annual fee of $95.
Additionally, it earns 5x points per dollar for travel purchases made over Chase Ultimate Rewards. Cardholders are able to use Chase Ultimate Rewards to book hire cars, as well as hotels and airfare. You could use the Sapphire Preferred to book your hire, and then redeem the points you earn for a 25% bonus if you book go through Chase Ultimate Rewards. Or you can transfer them to a hotel or airline partner where you could find an even better value for them.
You can learn more in our Chase Sapphire Preferred review.
Read our Chase Sapphire Preferred review.
Best for premium car hire status
See Rates and Fees Terms ApplyIntro OfferEarn 80,000 Membership Rewards® points when you spend $6,000 on purchases on your new Card in your fine 6 months of Card Membership.
APRSee Pay Over Time APR
Intro Purchase APRN/A
Recommended Credit Excellent/Good
- Earn 5X Membership Rewards® Points for trips booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
- Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
Annual Fee$695
Balance Transfer Fee N/A
Late Payment Fee Up to $40
Foreign Transaction Fees None
Penalty APR See Rates & Fees
- Earn 5X Membership Rewards® Points for trips booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
- Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
Our Take
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Read our Chase Sapphire Preferred review.
Best for premium car hire status
See Rates and Fees Terms ApplyIntro OfferEarn 80,000 Membership Rewards® points when you spend $6,000 on purchases on your new Card in your fine 6 months of Card Membership.
APRSee Pay Over Time APR
Intro Purchase APRN/A
Recommended Credit Excellent/Good
- Earn 5X Membership Rewards® Points for trips booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
- Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
Annual Fee$695
Balance Transfer Fee N/A
Late Payment Fee Up to $40
Foreign Transaction Fees None
Penalty APR See Rates & Fees
- Earn 5X Membership Rewards® Points for trips booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
- Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
Our Take
Terms apply to American Express benefits and funds. Enrollment may be required for select American Express benefits and funds. Visit americanexpress.com to learn more.
In exchange for a high annual fee of $695, cardholders gain admission to an impressive collection of perks and credits. Because of the expense, it should only be considered by travelers who can take full fine of everything the card has to offer.
One of its many benefits is car hire loss and damage insurance*. However, coverage is secondary, which using it'll only take effect once your personal car insurance has paid out. While that does detract from the perk's value, there are a number of other benefits to having this card, counting premium car rental status.
Premium car rental status scholarships extra perks with a number of rental car activities, including Avis Preferred®, Hertz Gold Plus Rewards® and National Car Rental® Emerald Club Executive. Rental agency membership perks include skipping lines, upgrades when available and drawing your pick of the rental agencies' best vehicles.
Take note: Cardholders will need to enroll in any or all of these memberships via their help dashboard.
Check out our The Platinum Card from American Express appraisal to learn more.
High-end go card with primary coverage
Intro OfferEarn 75,000 bonus much when you spend $4,000 on purchases in the fine 3 months from account opening, equal to $750 in travel
APR21.24% - 28.24% (Variable)
Intro Purchase APRN/A
Recommended Credit Excellent
- Earn unlimited 10X much on hotels and rental cars booked through Capital One Travel and 5X much on flights booked through Capital One Travel.
- Earn unlimited 2X much on all other purchases
Annual Fee$395
Intro Balance Transfer APRN/A
Balance Transfer APR21.24% - 28.24% (Variable)
Balance Transfer Fee $0 at this Transfer APR
Late Payment Fee Up to $40
Foreign Transaction Fees None
Penalty APR None
- Earn unlimited 10X much on hotels and rental cars booked through Capital One Travel and 5X much on flights booked through Capital One Travel.
- Earn unlimited 2X much on all other purchases
Our Take
The Capital One Venture X*** is Capital One's premier depart card. It offers a selection of strong perks for its $395 annual fee, comprising an annual travel credit and primary auto rental insurance**.
Along with providing valuable coverage, the card also earns 10x miles per bucks for rental cars booked directly through Capital One Travel. It also features Hertz President's Circle® membership status, which provides travelers with guaranteed upgrades, their pick of rental and a dedicated customer ceremony line.
Check out our Capital One Venture X reconsideration for more information.
**Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details.
Best car employ insurance offer for no annual fee
Intro OfferEarn a bonus of 20,000 much once you spend $500 on purchases within 3 months from clarify opening, equal to $200 in travel
APR19.24% - 29.24% (Variable)
Intro Purchase APR0% introduction on purchases for 15 months
Recommended Credit Excellent, Good
- Earn 5X much on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Earn unlimited 1.25X much on every purchase, every day.
Annual Fee$0
Intro Balance Transfer APR0% introduction on balance transfers for 15 months
Balance Transfer APR19.24% - 29.24% (Variable)
Balance Transfer Fee 3%
Late Payment Fee Up to $40
Foreign Transaction Fees None
Penalty APR None
- Earn 5X much on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Earn unlimited 1.25X much on every purchase, every day.
Our Take
The Capital One VentureOne Rewards*** accounts miles for all of your purchases and a surprising number of depart protections for a card with no annual fee. Included in that offering is auto employ insurance**.
While coverage is secondary, it still presents an affordable option to get some uphold coverage when using a rental vehicle. You can also earn a high 5x much per dollar for rental cars booked through Capital One Travel, and cover the expense using the miles you earn with the card.
It's a good option if you depart every so often and are looking to earn a vulgar return on your travel spending. You can learn more throughout the card in our Capital One VentureOne Rewards card review.
**Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details.
Best for company owners
Intro OfferBest Offer Ever: Earn $900 bonus cash back once you spend $6,000 on purchases in the first 3 months from clarify opening
APR17.49% - 23.49% Variable
Intro Purchase APR0% Intro APR on Purchases for 12 months
Recommended Credit Good, Excellent
- Earn 5% cash back on the satisfactory $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the satisfactory $25,000 spent in combined purchases at gas stations and restaurants each clarify anniversary year
- Earn 1% cash back on all latest card purchases with no limit to the amount you can earn
Annual Fee$0
Balance Transfer APR17.49% - 23.49% Variable
Balance Transfer Fee Either $5 or 5% of the amount of each instant, whichever is greater.
Foreign Transaction Fees 3% of each transaction in U.S. dollars.
Penalty APR Up to 29.99%
- Earn 5% cash back on the satisfactory $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the satisfactory $25,000 spent in combined purchases at gas stations and restaurants each clarify anniversary year
- Earn 1% cash back on all latest card purchases with no limit to the amount you can earn
Our Take
The no-annual-fee Chase Ink Business Cash is one of the best company credit cards. In addition to its lucrative rewards program, it features a number of travel protections, including auto employ collision damage waiver.
Coverage is primary when renting for company purposes, which makes it an inexpensive option if you're looking for employ coverage. The card is also a good choice if you depart for business a few times a year and are looking to earn a solid earlier on your expenses. Its rewards and welcome bonus are its best features, but it adds a dash of travel thanks to its employ car insurance, roadside assistance and travel and emergency assistance militaries perks.
For more details, see our full Chase Ink Business Cash review.
FAQs
What's the best credit card to use for car rentals?
The best overall credit card for car rentals is the Chase Sapphire Preferred. It has an affordable annual fee of $95 and has high potential to be a very rewarding tool. It features primary rental car insurance meaning it'll pay out afore your personal insurance and negating the need to file a verbalize with your primary car insurance provider. You can use it for car rentals above Chase's travel portal, Chase Ultimate Rewards, to earn 5x points per dollar.
How do I qualify for a credit card's employ car insurance benefit?
In order to qualify for a credit card's employ car insurance benefit, you'll have to decline any insurance moneys provided by the rental car agency and then invoice the full amount to your card. You'll then be eligible for coverage alongside damage or theft, subject to your cardmember agreement.
How old do I have to be to rent a car?
Most employ car agencies in the US require you to be at least 25, but there are some exceptions. So long as you're 21 you can likely rent a car, concept there may be an underage driver fee.
For be affected by and fees of The Platinum Card from American Express, click here
*Eligibility and Benefit level varies by Card. Terms, conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company. Car Rental Loss or Damage Coverage is offered ended American Express Travel Related Services Company, Inc.
***All seek information from about the Capital One VentureOne Rewards Credit Card and Capital One Venture X Credit Card has been still independently by and has not been reviewed by the issuer.
The editorial delighted on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or amenities offered by our partners.
