Which Credit Cards Offer Primary Rental Car Insurance?

Find out which credit cards offer primary rental car insurance in this article.

On the off chance that you just utilize a credit card for something specific, you should use it to rent a vehicle. To start with, it tends to be incredibly troublesome, or even difficult to lease a vehicle without a Visa. However, more critically, most Mastercards will offer you rental vehicle coverage that can ensure you if your vehicle is harmed and spare you the expense of a costly discretionary plan. But simply having a Visa isn’t sufficient. You have to realize what sort of protection your card offers, what it covers and what it doesn’t.


Credit card vehicle rental protection is one of the unrecognized yet truly great aspects of remunerations and card benefits. Numerous credit cards offer different kinds of travelling protection as a free advantage, including inclusion for lost or damaged baggage, travel deferrals and delays that were not expected, abrogations, and a vehicle rental policy to ensure cardholders when they lease a vehicle.

In case you’re travelling  this late spring, utilizing a Visa with essential rental vehicle protection can prove to be quite advantageous. It will spare you time, cash, and stress. Numerous individuals definitely realize that they have some sort of rental vehicle insurance on at least one of their credit cards. Rental vehicle protection is an extraordinary advantage since it can set aside clients’ critical cash on account of a mishap, harm, or robbery to the rental vehicle. In any case, a great many people don’t realize that there are two sorts of vehicle rental protection (primary and secondary)  and the subtleties live where barely noticeable data consistently does – in the fine print.

We’re centered here around the rewards and advantages that accompany each card. These cards won’t be justified, despite all the trouble in case you’re paying interest or late expenses. When utilizing a charge card, it’s imperative to cover your parity every month, make installments on schedule, and just spend what you can bear to pay. Now, let us see which credit cards offer primary rental car insurance.

Do credit cards cover rental car insurance?

The simple answer to this question is, yes. Credit cards do offer insurance and coverage for rental cars. However, you must know that every card does not offer the same insurance. Most Visa cards will cover burglary, harm to the rental vehicle, towing and loss-of-utilization charges on the off chance that you don’t have an individual accident coverage strategy.

Nonetheless, both Visa and Mastercard do not include injury, property harm and harm to different vehicles in their rental insurance policy. On the off chance that you have your own protection, Visa will repay your deductible just as some different charges your guarantor doesn’t cover. Mastercard’s protection inclusion differs by the responsible bank. A USAA World MasterCard, for instance, provides advantages and benefits that are quite similar to Visa, yet tops loss of utilization repayment at $500.

A couple of credit cards naturally offer essential inclusion, which means you are secured regardless of whether you have your own vehicle protection. These consist of Discover Escape, Chase Sapphire Preferred and United MileagePlus Explorer. These cards could be useful on the off chance that you would prefer not to ruin an excellent increment on your own vehicle protection. Research shows that just a single case of $2,000 on average can increase rates by 41 percent.

American Express card holders are managed the chance to pay a one-time expense per rental of $16 to $25 to change their inclusion from optional to essential. You can select on the web or by calling the organization. As per some exploration experts for Visa and protection examination, most Visa organizations expect you to deny the crash harm waiver protection offered at the vehicle rental counter or it discredits the card’s inclusion site.

Which credit card is best for renting a car?

In case you’re looking for a Visa for leasing a vehicle, you’re probably searching for a card that offers protection, great vehicle rental advantages and a chance to acquire focus, miles or money back. Scouring card subtleties and vehicle rental protection arrangements can leave you stupefied – it’s difficult to determine what’s canvassed and what’s prohibited in a card’s protection strategy. So, to make life easier for you, we have made a list of all the credit cards that are best for renting a car. So, what are you waiting for? Let us have a look:

  • Chase Sapphire Reserve
  • Chase Sapphire Reserve
  • Chase Sapphire Preferred Card
  • Wells Fargo Propel American Express card
  • Capital One Secured Mastercard
  • Chase Freedom Unlimited
  • Ink Business Preferred Credit Card

Which credit cards offer primary rental car insurance?

Rental vehicle protection is an underestimated and underutilized advantage that frequently makes disarray, so we’re here to put any misinformation to rest and assist you with amplifying your advantages when you travel. A lot of cards offer optional rental inclusion, which supplements your own accident coverage strategy. Yet, there is likewise a determination of movement centered prizes cards that give essential rental inclusion, giving a large group of advantages far beyond optional inclusion. But first you need to know about what primary rental insurance is.

Primary rental coverage kicks in before your own accident coverage, so there’s no compelling reason to inform your insurance agency and endure a shot on your yearly charges. Primary rental vehicle inclusion is additionally ordinarily more far reaching than auxiliary, and substantially more liable to take care of the whole expense of the vehicle on account of burglary or all out misfortune from flood or fire. The primary arrangement offered with numerous cards additionally covers cardholders for longer rental periods, of almost up to 30 or 40 days.

Let us look at some of the credit cards that offer primary rental car insurance:

American Express

You can pay for primary insurance with any of your American Express cards.The Platinum Card from American Express is a decent choice thanks to the colossal measure of significant worth it offers to balance its yearly charge.

Capital One

Capital One provides primary car coverage on two of its business credit cards:

  • Capital One Spark Cash for Business: wins 2% money back on each buy, $95 yearly expense that is waived during the initial year
  • Capital One Spark Miles for Business: gains 2 miles per dollar on each purchase, $95 yearly cost that’s waived during the initial year

You must not forget that you should lease a vehicle for a business reason for the inclusion to be material when you pay with both of these two cards.


Chase provides a few cards with primary vehicle rental protection, including a portion of our preferred travel rewards cards by and large.

  • Chase Sapphire Preferred Card
  • Chase Sapphire Reserve
  • Ink Business Cash Credit Card
  • Ink Business Preferred Credit Card
  • Ink Business Unlimited Credit Card
  • United Explorer Card
  • United Business Card

What do you need to take to prove you’re covered?

The rental agency should see something from your card supplier that shows what spread it gives. Various organizations have various prerequisites, so it’s best not to expect that it’ll essentially be similar each time you lease a vehicle. On the off chance that you have a report clarifying all the card’s highlights, this may be sufficient. Yet, on the off chance that you don’t have that report, or on the off chance that it isn’t sufficiently explicit, the rental organization may need to see a ‘proof of inclusion’ letter.

Do credit cards automatically cover rental cars?

By and large, in case you’re thinking about utilizing your card’s insurance, you’ll have to:

  • Utilize that card to pay for the rental
  • Lease the vehicle in your name, and consent to the rental arrangement yourself
  • Turn down any Collision Damage Waiver/Theft Protection that the rental organization offer you
  • Take evidence that your card covers you for that rental when you get the vehicle

What credit cards offer car rental discounts?

If you are wondering about whether credit cards offer vehicle rental limits, then read on. Indeed, most significant credit cards offer some discounts. Visa, Mastercard and American Express discounts are on the whole accessible. All you have to do is put in your time and dates to utilize Visa limits and Visa coupons. Visa vehicle rental limits commonly just require a one day minimal rental. Visa vehicle rental advantages fluctuate on the basis of your particular Visa card. Check card terms for subtleties. Visa vehicle rental requires utilization of a Visa or a Visa charge card. Check terms and conditions for Visa charge card prerequisites. To discover Visa vehicle rentals limits close to you, utilize your current location with the help of your mobile phone. Utilization of the Visa name doesn’t infer support or a business relationship with Visa. Utilization of the Visa name is for vehicle rental coupon and vehicle rental markdown recognizable proof as it were.

Capital one credit card rental car insurance

Capital one credit cards also provide rental car insurance. The coverage includes any damage or injury that affects the rental car. Therefore, you do not have to worry about paying cash from your own pocket.

Best credit card for rental car rewards

When we were choosing the best cards for car rentals, we put primary rental car insurance coverage as a top feature to have because it means you don’t have to tap your own car insurance first if you have it. All but one card on our list offer primary coverage, and the one that doesn’t saves you an annual fee. We also looked at affordability, rewards, and other perks that may be of interest when renting a car. Here are our top picks.

  • Chase Sapphire Preferred Card
  • Ink Business Preferred Credit Card
  • Chase Sapphire Reserve
  • United Explorer Card
  • Wells Fargo Propel American Express Card

Will a credit card cover any rental car?

There are cutoff points to this sort of spread. It differs from card to card, however you may discover your card won’t spread you if:

  • the car costs almost more than US $50,000
  • you are renting the car for more than 28 days, or more than 56 days
  • the car is not an average car, it is a 9-seater, an SUV, a vintage car, or a Ferrari
  • you’re planning to take the car across the border.


Primary credit card rental vehicle protection isn’t regularly the primary thing considered while evaluating a movement rewards card, however it should be on your rundown. The advantages and protections can give more incentive on certain cards than the prizes focuses you acquire, and it just takes one case in the wake of harming a vehicle to feature the estimation of essential rental inclusion.

In the event that you have your own vehicle protection, the best inclusion for homegrown vehicle rentals is essential charge card inclusion. This is on the grounds that it’s ideal to abstain from documenting a case with your own insurance agency, which could mean possibly paying a high deductible and having your rates expanded.

For the most part, the individuals who convey accident protection can get by with optional inclusion when leasing a vehicle out of the nation, odds are your U.S. strategy won’t spread there. The auxiliary inclusion on your card would then get essential. In the event that you don’t convey collision protection, you can get by with auxiliary inclusion, since it will go about as your essential protection in practically all rental vehicle circumstances (local or foreign).

You may be liable for a deductible on the vehicle rental organization’s inclusion. Call your advantages director for explanation of inclusion before leasing any vehicle. In all cases, you should buy obligation protection from the rental vehicle organization or be certain it is remembered for your tenant contract, as it is excluded from inclusion that accompanies your credit card. If you much of the time lease a vehicle, you can spare time, dissatisfaction, and cash knowing the kind of inclusion you have with your credit cards!

Sandra Johnson

Sandra Johnson

Sandra Johnson was a few years out of school and took a job as a life insurance agent in California, selling coverage door-to-door for Prudential. The experience taught her about the technical components of insurance and its benefits for individuals and society, as well as the misunderstandings people often have about insurance. She has over ten years’ experience in the insurance industry, having worked as both a Broker and Underwriter, assisting clients across a broad range of industries. At Insurance Noon, Sarah diligently gathers all the required information and curates up pieces to provide meaningful insurance solutions. Her personal value proposition is to demonstrate a genuine interest in always adding value for clients.Her determined approach to guiding clients has turned her into a platinum adviser to multiple insurers.

Insurance Noon is the world's leading source of insurance related content on the web, focusing on industry news, buying guides, reviews, and much more.