Sep 30, 2013, 11:04 am
Last edit by: TravelinSperry
Cards that include “primary” auto rental CDW insurance
Please provide a link, if possible, to the T&C that indicates the card offers primary coverage.
__________________________________________________ ____________________________________________
Chase Bank credit cards: (Note for US Citizens, ALL Chase credit cards above offer primary CDW Internationally (as long as country of residence is USA)* (see post #293 for details).
No longer offered:
J.P. Morgan Select Card
J.P. Morgan Palladium Card (discontinued)
Chase Fairmont Visa Signature
Discover Escape
Please provide a link, if possible, to the T&C that indicates the card offers primary coverage.
__________________________________________________ ____________________________________________
Chase Bank credit cards: (Note for US Citizens, ALL Chase credit cards above offer primary CDW Internationally (as long as country of residence is USA)* (see post #293 for details).
- Chase Sapphire Preferred ($95 annual fee) - Guide to Benefits
- Limits: Up to 31 consecutive days
- Restrictions: none.
- Limits: no coverage for Tesla or "high value or exotic brand" automobiles. May be worthwhile to verify with Chase before renting from e.g. Silvercar. (FWIW Silvercar CS confirmed that the MSRP of their A4s are approx. $30,000 as configured.)
- Chase Sapphire Reserve Visa Infinite ($550 annual fee)- Guide to Benefits
- Limits: Up to 31 consecutive days
- Chase Ink Bold/Plus (when renting for business purposes)
- Chase Ink Preferred (when renting for business purposes) -
Guide to Benefits - Chase United MP Explorer Visa ($95 annual fee) - Guide to Benefits
- Limits: Up to 31 consecutive days
- Tesla's are not covered
- Chase United Club Visa Infinite ($525 annual fee) -
Guide to Benefits - Chase Ritz-Carlton Card - no longer accepting new applications, however certain Marriott cardholders >1 year can apply for a product change.
- J.P Morgan Reserve Visa Infinite -
Guide to Benefits
- Limits: Up to 15 consecutive days in your country of residence and up to 31 days Internationally.
- Coverage is available worldwide except in Israel, Jamaica, the Republic of Ireland or Northern Ireland.
- Maximum coverage $75,000.
- Elan Financial Services Visa Infinite® Reserve Rewards+ Card ($390 annual fee) (offered via many banks and credit unions) Guide to Benefits
- Capital One Venture X Visa Infinite ($395 annual fee) Guide to Benefits
- US Bank Altitude Reserve Visa Infinite ($400 Annual fee) - PDF Download Guide to Benefits
- City National Crystal Visa Infinite ($400 annual fee) - Guide to Benefits
- Truist Visa Infinite Card ($450 annual fee, waived for wealth clients)
- UBS Visa Infinite ($495 annual fee) Benefits link
- Bank of America® Premium Rewards® Elite Visa Infinite ($550 annual fee) Guide to Benefits - doesn't specifically state primary but listed in Wiki under the assumption it mirrors the benefits of the other Visa Infinite cards (double check before applying or using for insurance).
- Maximum coverage $75,000.
- Zenus Bank Visa Infinite Debit Card (No AF, but only eligible to those with a $19.99 p/mo bank account). Can apply from over 50 countries, no need to be a US Citizen or resident. Note, this bank is not FDIC Insured. Guide to Benefits. Note: list of fees.
- Limits: Up to 31 consecutive days
- 1First Bank Beyond Ultimate Visa ($150 annual fee) Guide to Benefits - May only be available to residents of Florida, Puerto Rico, & Virgin Islands.
- Limits: Up to 31 consecutive days
- No coverage for antique, expensive or exotic cars
- Wells Fargo Bilt World Elite Mastercard (NO Annual Fee) - Guide to Benefits
- Limits: Up to 31 consecutive days
- Primary CDW except for NY Residents
- Coverage is available worldwide except in Israel, Jamaica, the Republic of Ireland or Northern Ireland.
- Maximum coverage $50,000.
- Diner's Club MC (Personal non-corporate applications "suspended") - Guide to Benefits (Premier version, but likely the same for Elite as well)
- Restrictions: no coverage to residents of New York.
- Limits: $500 maximum for "loss of use", passenger car/SUV must have a MSRP of less than $50,000.
- American Express offers an upgradeable per rental primary CDW option for a low fee: https://feeservices.americanexpress....verage/home.do While fee based, this coverage is up to 42 consecutive days (11 days longer than Chase cards and 27 days longer than Visa Infinite coverage)
No longer offered:
J.P. Morgan Select Card
J.P. Morgan Palladium Card (discontinued)
Chase Fairmont Visa Signature
Discover Escape
Cards that include “primary” auto rental CDW insurance
May 19, 2014, 1:55 pm
#226
Join Date: Dec 2009
Posts: 138
I can't edit the Wiki because I don't yet have 90 posts, but the Discover Escape card also offers primary rental insurance. T&C here:
https://www.discover.com/credit-card...ced-tc.html#q3
https://www.discover.com/credit-card...ced-tc.html#q3
https://www.discovercard.com/applica...uct/2/KXER.htm
I still feel like this card is highly underrated by the community. $60 annual fee, primary rental car insurance, 2x miles / $1, and, my personal favorite feature, combined with the DiscoverIT card, I can frequently get 5% cash + 2 miles / dollar without risk of a portal clawback. That's 7x on a lot of online purchases.
May 19, 2014, 3:28 pm
#227
Join Date: Jul 2010
Posts: 163
Even though the Chase Fairmont Visa Signature was mentioned earlier, it isn't in the Wiki, so I've added it.
I can't find a copy of the Guide to Benefits online, but I have it right here in front of me. The benefit is called Auto Rental Collision Damage Waiver benefit.
In the What is Covered section is the following quote: "This benefit is primary and provides reimbursement up to the actual cash value of the vehicle as it was originally manufactured."
I can't find a copy of the Guide to Benefits online, but I have it right here in front of me. The benefit is called Auto Rental Collision Damage Waiver benefit.
In the What is Covered section is the following quote: "This benefit is primary and provides reimbursement up to the actual cash value of the vehicle as it was originally manufactured."
Last edited by YourNameHere; May 19, 2014 at 3:34 pm
May 19, 2014, 4:29 pm
#228
Join Date: Jan 2003
Location: California
Posts: 1,127
Also, despite the claim that you can no longer apply for this card, apparently you still can (just had a friend go through and get approved.) This is not my link, just one from discovercard.com
https://www.discovercard.com/applica...uct/2/KXER.htm
I still feel like this card is highly underrated by the community. $60 annual fee, primary rental car insurance, 2x miles / $1, and, my personal favorite feature, combined with the DiscoverIT card, I can frequently get 5% cash + 2 miles / dollar without risk of a portal clawback. That's 7x on a lot of online purchases.
https://www.discovercard.com/applica...uct/2/KXER.htm
I still feel like this card is highly underrated by the community. $60 annual fee, primary rental car insurance, 2x miles / $1, and, my personal favorite feature, combined with the DiscoverIT card, I can frequently get 5% cash + 2 miles / dollar without risk of a portal clawback. That's 7x on a lot of online purchases.
I use the card to get primary car insurance when my regular card is being used as primary for another car rental.
Jun 10, 2014, 9:34 am
#230
Moderator: Chase Ultimate Rewards
Join Date: Apr 2005
Location: SFO
Programs: UA 2P, MR LT Plat, IHG Plat, BW Dia, HH Au, Avis PC
Posts: 5,453
No. Unless you add them as authorized users and they present the physical card for deposit. Then maybe, if you have the business version of the card. Check the terms very carefully.
Aug 28, 2015, 8:42 pm
#234
Join Date: Jun 2011
Location: RNO
Programs: UA,AA, WN
Posts: 378
Chase Sapphire car rental coverage
I was always under the impression that the rental car coverage was primary. Not so I found out today when talking to the insurance rep. She told me that if you have rental car coverage with your personal car, the coverage from Chase becomes secondary and covers the deductible. If you do not have auto insurance or if you do and don't have rental car coverage with it Chas's coverage is primary. Interesting when their advertisements say "primary rental car coverage".
Aug 28, 2015, 8:54 pm
#235
FlyerTalk Evangelist
Join Date: Dec 2003
Location: Not here; there!
Programs: AA Lifetime Gold
Posts: 29,584
Wirelessly posted (BlackBerry: BlackBerry8530/5.0.0.1030 Profile/MIDP-2.1 Configuration/CLDC-1.1 VendorID/417)
Do you have the "Chase Sapphire" or the "Chase Sapphire Preferred card?
The description of coverage that the rep gave you is a description of secondary coverage, not primary coverage. Secondary coverage always becomes primary coverage for those without other collectable insurance.
If you have the Sapphire Preferred card, I suggest that you HUACA.
Do you have the "Chase Sapphire" or the "Chase Sapphire Preferred card?
The description of coverage that the rep gave you is a description of secondary coverage, not primary coverage. Secondary coverage always becomes primary coverage for those without other collectable insurance.
If you have the Sapphire Preferred card, I suggest that you HUACA.
Last edited by philemer; Aug 29, 2015 at 12:05 am Reason: fixed syntax
Aug 28, 2015, 9:00 pm
#236
Join Date: Jun 2011
Location: RNO
Programs: UA,AA, WN
Posts: 378
Wirelessly posted (BlackBerry: BlackBerry8530/5.0.0.1030 Profile/MIDP-2.1 Configuration/CLDC-1.1 VendorID/417)
Do you have the "Chase Sapphire" or the "Chase Sapphire [/b]Preferred[/b] card?
The description of coverage that the rep gave you is a description of secondary coverage, not primary coverage. Secondary coverage always becomes primary coverage for those without other collectable insurance.
If you have the Sapphire Preferred card, I suggest that you HUACA.
Do you have the "Chase Sapphire" or the "Chase Sapphire [/b]Preferred[/b] card?
The description of coverage that the rep gave you is a description of secondary coverage, not primary coverage. Secondary coverage always becomes primary coverage for those without other collectable insurance.
If you have the Sapphire Preferred card, I suggest that you HUACA.
Aug 29, 2015, 12:04 am
#237
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
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Posts: 12,082
Here's the definitive thread: http://www.flyertalk.com/forum/credi...ance-wiki.html
CSP has primary coverage.
CSP has primary coverage.
Aug 29, 2015, 12:06 am
#238
FlyerTalk Evangelist
Join Date: Dec 2003
Location: Not here; there!
Programs: AA Lifetime Gold
Posts: 29,584
Wirelessly posted (BlackBerry: BlackBerry8530/5.0.0.1030 Profile/MIDP-2.1 Configuration/CLDC-1.1 VendorID/417)
The CSP benefits brochure description of the rental-car coverage states, "It is primary coverage which means you do not have to file a claim with any other source of insurance before you can receive coverage under this benefit." (Emphasis added.)
Sounds like you just got a misinformed rep.
The CSP benefits brochure description of the rental-car coverage states, "It is primary coverage which means you do not have to file a claim with any other source of insurance before you can receive coverage under this benefit." (Emphasis added.)
Sounds like you just got a misinformed rep.
Aug 30, 2015, 2:38 am
#239
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,507
I went ahead and updated the wiki with coverage limits/restrictions/benefits guides for the two cards that I have. 
BTW has anyone been able to confirm whether Chase will cover Silvercar rentals?
BTW has anyone been able to confirm whether Chase will cover Silvercar rentals?
Oct 8, 2015, 12:46 am
#240
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,507
The Crystal Visa Infinite card from City National Bank might have primary CDW too but their guide to benefits isn't clear on that: https://www.cnb.com/SiteCollectionDo...l-Benefits.pdf. Thoughts?