Originally Posted by
nwflyboy
Very good points, Mia, thank you.
My rentals have almost all been overseas (at least until this past spring...), so 1) the coverage provided by Freedom Flex would be Primary when I need it, which is nice, but 2) having the 3% FTF kind of sours that.
The Freedom Flex card looks very attractive for other reasons, the FTF won't necessarily put me off wanting it. But I may need to either keep a Sapphire card or look elsewhere for the auto insurance benefit. Thanks for pointing that out.
Almost all secondary rental car benefits offered by US credit cards would become primary when the rental is made outside US - simply because then there would be NO primary insurance out of the country, i.e. your own auto insurance does not cover international rental, therefore the originally secondary insurance becomes the primary.
Still, when filing claims, the no AF cards might get a less attentive treatment than the AF cards. Just guessing.