Best CC for “primary” rental car insurance?

I know American Express PREMIUM CAR RENTAL PROTECTION but I still want to know if I can save $17.95 per rental (CA).

I was told Citi-Professional offer “Primary” insurance thus I only use it when I rent cars. However, none of Citi’s CSR can confirm this.

The info is on Citi web site:
[The T&C about Citi Business CCs car rental insurance compared to personal cards only the wording “is secondary coverage” is removed but no where said it will be primary.]
It seems Citi business Visa (e.g. AA) offers it as “Visa Auto Rental Insurance coverage is primary coverage”.

Not sure this time I want to use Cit-AA business (Visa) or Citi-Professional (Master) for car rental.

Did some google but did not find a good answer.

http://www.citicards.com/cards/wv/sp...?screenID=1262

MasterRental® Insurance

AT&T Universal Savings Platinum Card
AT&T Universal Savings and Rewards Card
Citi CashReturns® MasterCard®
Citi® Diamond Preferred® Card
Citi® Diamond Preferred® Rewards Card
Citi® Dividend Platinum Select® MasterCard®
Citi® Dividend Platinum Select® MasterCard® for College Students
Citi® Gold / AAdvantage® World MasterCard®
Citi® Platinum Select® / AAdvantage® World MasterCard®
Citi® Platinum Select® MasterCard®
Citi® Platinum Select® MasterCard® for College Students
Citi PremierPass®Card
Citi PremierPass® Card -- Elite Level
Citi PremierPass® Expedia.com Card
Citi PremierPass® Expedia.com Card - Elite Level

Automatic coverage when you reserve and rent a vehicle with these cards and decline the car rental company's collision, loss/damage waiver insurance.

MasterRental® Insurance coverage (up to $50,000 per incident) is secondary coverage and is underwritten by Virginia Surety Company, Inc. Certain conditions, restrictions and exclusions apply. Not all vehicles and not all countries are covered. Details of coverage will be provided upon cardmembership.


MasterRental® Insurance - Business Card

Citi ProfessionalSM Card
Citi ProfessionalSM Cash Card
CitiBusiness® / AAdvantage® MasterCard®
CitiBusiness® Card


Automatic coverage when you reserve and rent a vehicle with these cards and decline the car rental company's collision, loss/damage waiver insurance.

MasterRental Insurance coverage (up to $50,000 per incident) is underwritten by Virginia Surety Company, Inc. Certain conditions, restrictions and exclusions apply. Not all vehicles and not all countries are covered. Details of coverage will be provided upon cardmembership.

Auto Rental Collision Damage Waiver - Business Card

CitiBusiness® / AAdvantage® Visa® Card
AT&T Universal Business Rewards Card

Automatic coverage when you charge the entire cost of your rental from a licensed rental agency with these cards and decline the car rental company's collision, loss/damage waiver insurance.

Visa Auto Rental Insurance coverage is primary coverage and underwritten by Indemnity Insurance Company of North America. Certain conditions, restrictions and exclusions apply. Not all vehicles and not all countries are covered. Details of coverage will be provided upon cardmembership.