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Now that the Chase Sapphire Preferred card offers primary rental car insurance coverage, some Million Mile Secrets readers have asked which other credit cards also offer primary rental car coverage.
There are 13 credit cards that offer primary rental car insurance coverage.
13 Credit Cards That Offer Primary Car Insurance on Rental Cars
Most credit cards offer secondary rental car insurance coverage. Secondary coverage means your personal or business car insurance company pays first. This means you have to pay your insurance deductible and could cause an increase in your insurance rates!
Some credit cards offer primary rental car coverage. I’ve written about using your credit card for rental car insurance and the difference between primary and secondary rental car coverage.
Primary rental car insurance with a credit card only pays for damage to the rental car or theft. You still have to pay for damages to other cars, property, or injuries.
However, when you rent cars outside the US, all insurance is primary IF you don’t have car insurance in that country (which you usually don’t!).
You should use 1 of the following credit cards that offers primary car insurance when you rent cars.
Although all 13 credit cards listed below are great cards I’d choose the Chase Sapphire Preferred because:
- You get primary rental car coverage in all countries, including Israel (other cards exclude Israel)
- You get 2X points on your car rental
- You pay NO foreign transaction fees
A. Chase Sapphire Preferred
Link: Chase Sapphire Preferred
You can get primary rental car insurance when you use your Chase Sapphire Preferred card to pay for a rental car. This is great for personal trips, since many cards restrict the primary insurance to business trips. You also get double points on travel and dining and no foreign transaction fees!
Link: Chase Ink Plus
Link: Chase Ink Bold
Update: The Chase Ink Bold card is no longer available for new sign-ups.
Both the Chase Ink Plus and Chase Ink Bold give you primary rental car insurance coverage when used for renting a car for business.
D. Marriott Rewards Premier Business
You get primary car rental insurance when using your Ritz-Carlton card to pay for your rental car.
F. Southwest Business
Link: Southwest Plus Business
G. United Club Business
Link: United Club Business
H. United MileagePlus Explorer
Link: United MileagePlus Explorer
When you use your United MileagePlus Explorer card to pay for your rental car, you get primary car rental insurance coverage.
Note: Some folks might be able to get 50,000 United miles and a $50 statement credit which is better than my affiliate link.
Note: You have to call Discover at 800-618-4943 to apply for the Discover Escape card.
Your Discover Escape card offers primary rental car insurance coverage when you use it to pay for your car rental.
You get primary rental car insurance coverage on rentals of up to 31 consecutive days. However, coverage is not provided for cars rented in Australia, Ireland, Israel, Italy, Jamaica, and New Zealand.
4. American Express
You can pay for primary insurance coverage with AMEX cards.
You can enroll for free in the American Express Premium Car Rental Protection program. But you’ll pay ~$25 (~$18 for California residents) per rental for up to 42 consecutive rental days (30 consecutive rental days for Washington State cardholders).
You get primary rental car insurance worldwide (except where prohibited by law) when you pay for your rental car with your Diners Club card. You can also get primary rental car insurance when you pay with your JP Morgan Select or JP Palladium card.
Note: The Diners Club card and JP Morgan Select card are NOT available for new applications. According to this thread on Flyertalk, the JP Morgan Select card will be converted to a Chase Sapphire Preferred card.
The JP Palladium card is only available to invited Chase Private Bank customers. But in case you already have 1 of these cards and might not know about the rental car benefit, I’ve included the information.
You get primary rental car insurance when you use certain credit cards to pay for the rental. My favorite card (among those on the list) is the Chase Sapphire Preferred because you also get double points on travel and dining and no foreign transaction fees!
However, credit card primary rental car insurance only pays for damages to your rental car, NOT damage to the other car, property, or injuries. And you could be liable for millions of dollars in personal injuries.
So don’t rely on your credit card’s rental car insurance if you’re not comfortable with the risks.