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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.
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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

Visa Infinite cards (except as noted below. all have the same 3 conditions):

1. Limits: Up to 15 consecutive days in your country of residence and up to 31 days Internationally.
2. Coverage is available worldwide except in Israel, Jamaica, the Republic of Ireland or Northern Ireland.
3. 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

Visa cards

• ​​​​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

Mastercard

• 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

• 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

• 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)

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No longer offered:
J.P. Morgan Select Card
J.P. Morgan Palladium Card (discontinued)
Chase Fairmont Visa Signature
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