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
Mar 17, 2017, 1:22 pm
#275
Suspended
Join Date: Oct 2004
Location: Bay Area
Programs: DL SM, UA MP.
Posts: 12,729
Charge rental to Amex Platinum or CSR?
AFAICT, they both have primary insurance for excess if I can decline CCW?
I'm looking to rebook for an upcoming trip because I had booked with Dollar Rental, which requires proof of credit card coverage. I've heard different accounts of them refusing a premium credit card as such proof, so I guess I can get letters from Amex or Chase.
Beyond that, Amex earns 1X points on the rental while CSR earns 3X.
But for the Amex Plat, it would be part of spending to get 50k bonus, though I can probably get spending without this one rental and potentially another rental for a different trip.
I'm looking to rebook for an upcoming trip because I had booked with Dollar Rental, which requires proof of credit card coverage. I've heard different accounts of them refusing a premium credit card as such proof, so I guess I can get letters from Amex or Chase.
Beyond that, Amex earns 1X points on the rental while CSR earns 3X.
But for the Amex Plat, it would be part of spending to get 50k bonus, though I can probably get spending without this one rental and potentially another rental for a different trip.
Mar 17, 2017, 2:42 pm
#276
Join Date: Jan 2003
Location: NYC
Posts: 8,498
I'm pretty sure Amex Plat coverage is secondary unless you opt into Amex's Premium Car Rental Protection (which has a fee per rental).
Mar 18, 2017, 6:52 am
#277
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,954
Jun 17, 2017, 12:02 am
#278
Join Date: Feb 2013
Location: Miami, FL
Programs: UA 1MM, AA Plat, Marriott LT Titanium, Hyatt Glob, IHG ♢ Amb, Hilton ♢, Hertz Pres
Posts: 6,016
Wish a few more cards would offer this. Decided to cancel my UA cc, so now I'm really left with Chase Sapphire. Not too many other choices make sense for me.
Aug 10, 2017, 10:34 pm
#280
Join Date: Jan 2014
Location: TYS/BNA/ATL
Programs: UR, TYP, MR, C1, AA, UA, WN, BA, AS, AV, AC, Choice, Hyatt, IHG, Hilton, Wyndham, Marriott
Posts: 1,973
Sep 1, 2017, 10:30 am
#281
Join Date: Dec 2009
Posts: 138
It looks like the primary coverage on the Discover Escape card is now gone. The online link for the card's benefits when logged into my account shows only secondary coverage. I chatted with a Discover rep to confirm the change; she was unable to tell me when it changed, but confirmed that it's secondary only now. RIP.
Jan 4, 2018, 12:44 pm
#283
Join Date: Jul 2000
Posts: 3,746
Cheapest Card with Primary Auto Insurance
I want to dump my Chase Sapphire Reserve - it only has 2 advantages (for me) over my Citi Prestige but overall Citi Prestige is a better card for me. One of those two advantages is that the auto rental collision insurance is primary.
What's the cheapest (or better yet no fee) card that gives primary insurance?
(In case anyone is interested, the other significant advantage that I see in the Chase card over the Citi card is that the air travel reimbursement benefit is $50 higher.)
What's the cheapest (or better yet no fee) card that gives primary insurance?
(In case anyone is interested, the other significant advantage that I see in the Chase card over the Citi card is that the air travel reimbursement benefit is $50 higher.)
Jan 4, 2018, 12:59 pm
#285
Join Date: Jul 2000
Posts: 3,746
CSP is $95 per year as is the United Explorer Card. Explorer Card gives me a free bag and priority boarding on United - which I might use every once in a while. But seems like CSP has a better sign-up bonus. On earns miles, the other points. Anything else I need to know if choosing between those two cards? .