Originally Posted by ajnaro

I am in doubt about credit card insurance for rental cars outside of the US and would appreciate input. I do have a US-issued Diners card (now Harris Bank), but it has too many country exclusions for me to keep track of and also charges a 3% fee for non-US charges. In addition, many rates overseas automatically provide CDW and that invalidates Diners coverage, even if the CDW cannot be declined. I used to prefer the ex-Schwab VISA, but that is gone. Is there any credit card out there that: (1) offers non-deductible coverage outside of the US; (2) does not charge a foreign fee; (3) offers a reward or rebate system; (4) doesn’t charge an annual fee. I know that’s a lot to ask from a credit card, but the ex-Schwab VISA did offer all of those features while it was working.