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-   -   List of Credit Cards providing CDW (https://www.flyertalk.com/forum/credit-card-programs/544785-list-credit-cards-providing-cdw.html)

totti Apr 5, 2006 10:05 am

List of Credit Cards providing CDW
 
I used search function but could find any information.

CC’s that offers CDW for rental cars can safe a lot of money, at least if you rent more than once a year. I thought it would be helpful to start a thread and to compile a list with CC’s offering this perk. So please post the following information to add a card to the list:
(1) Name of the Card
(2) where and maybe how to get it (Country etc.)
(3) annual fee
(4) deductible
(5) territory

As far as I know most times duration (~30 days) and scope of cover (~50k EUR/US $) are always the same, so I thought it is not necessary to survey.

totti Apr 5, 2006 10:08 am

List of CC's
 
to be updated…

Worldwide
As far as I know the CDW is a perk of all Amex Centurion and Platinum Cards

United States
As USAFAN and Happy pointed out, most US CC’s have CDW, but be careful with the fine print. Most CC’s exclude some countries. Just to name some: Citigroup Chairman Card, Chase Visa BA Signature Card

Germany
LH VISA Gold/FTL/SEN/HON (with business package); fee 95 for Gold, 62 for FTL ,free for SEN’s and Hon’s; 230 EUR deductible; worldwide validity

Hilton HHonors Visa Card inkl. insurance package; fee 77 EUR; 230 EUR deductible; worldwide validity

HVB Premium Card (MasterCard); fee 800 EUR; 75 EUR deductible; worldwide validity

NetBank MasterCard Platinum; fee 100 EUR; ? deductible; worldwide validity

totti Apr 5, 2006 10:13 am

for further use

pdhenry Apr 5, 2006 10:40 am

I thought this was more a function of the level (Gold, Platinum, World, etc.) of the card than the issuer. The benefits are administered by Visa/Mastercard, etc. rather than by the bank.

Don't even base level Mastercards give CDW now? Maybe not...

CrazyOne Apr 5, 2006 11:30 am


Originally Posted by pdhenry
I thought this was more a function of the level (Gold, Platinum, World, etc.) of the card than the issuer. The benefits are administered by Visa/Mastercard, etc. rather than by the bank.

Don't even base level Mastercards give CDW now? Maybe not...

That seemed to be the case in the past, but in more recent times I think it has become more of a function of the issuer. I've had supposed gold and/or platinum Visa/MCs that didn't appear to have CDWs, and I've had cards that didn't note any type of special level that did carry a CDW (old UA Visa before they all became Visa Signatures I recall being like that).

totti Apr 6, 2006 1:51 am


Originally Posted by pdhenry
I thought this was more a function of the level (Gold, Platinum, World, etc.) of the card than the issuer. The benefits are administered by Visa/Mastercard, etc. rather than by the bank.

Don't even base level Mastercards give CDW now? Maybe not...

In some cases you may be right but there are several exceptions e.g. Deutsche Bank offers a Platinum MasterCard that does not have any CDW, at least as far as I know. The netbank offers a Platinum MasterCard, too but this one includes CDW. SO two Plat MasterCards but with different benefits. Another example is the german HiltonHonors CC: it is a plain Visa Card but includes CDW.

I am not that familiar with the american CC system. At least in Europe it also (not only for sure!) depends on the issuing bank or company.

USAFAN Apr 6, 2006 9:46 am


Originally Posted by totti
....I am not that familiar with the american CC system..

I never had US card without CDW, all or at least most offer CDW coverage.

However, read the fine-print! Some cards exclude several countries ... like some Amexco cards. For car rental purposes I always use my Chase Visa BA Signature Card.

Happy Apr 6, 2006 12:30 pm

Virtually ALL cards that offer CDW exclude some countries
 
I examine my current cards - MC Platinum, and plain MC issued by Citi, Visa Gold issued by Citi, Visa Signature and plain Visa issued by Chase, as well as Amex ...

Israel, Ireland, Northern Ireland, and Jamaica are on Visa not covered list.

The above countries, plus Australia, Italy and New Zealand are on MC not covered list. I know New Zealand has government mandatory CDWs you must purchase so that may be the reason. But Visa does not show NZ being not covered.

I tend to agree the insurances now seem to be more tied to the issuers whether they provide it, rather than the levels of the card.

Citi provides coverage on both Gold and Signature version of their Visa cards, and coverage on most all MC versions, although when I called MC Assist, they pulled up Citi's Diamond Preferred as "Unspecified", but the rep said he "believed" it enjoyed the same coverage as the MC Platinum.

Personally I would just use either the MC Platinum, or the Visa Signature, for rental car purpose.

BTW, Visa seems to provide better coverage outside U.S. mainly due to the coverage extends to 31 days instead of 15 days domestically.

There may be other subtleties between the higher level and the lower level of cards, but those are not obvious.

One thing I want to stress is, once you filed a claim, make sure to follow up with the rental car company to get them submit their claim on a timely manner - MC would not follow up for you, they only sit on your claim and wait for rental car to submit their claim. They also would not voluntarily give the claim reference number to the rental car company when they called.
We had to invoke this benefit last September and the process was a big learning experience, especially once the rental car company finally talked to the MC Rental Division. At the end, the repair estimate (hailstorm damage, $2282) was paid without any question. The loss of revenues (usage) was denied as MC claimed the rental car company did not provide acceptable evidence. Admin charge was not covered. We wound up paying approx $340 total for the latter 2 items just to get the thing behind us.

TNL Apr 6, 2006 8:53 pm

I believe that the Citigroup Chairman card offers this benefit.

totti Apr 7, 2006 7:33 am


Originally Posted by USAFAN
I never had US card without CDW, all or at least most offer CDW coverage.


Originally Posted by Happy
...

Thanks for this information. As always when it comes to CC's there are a lot of differences between USA and Europe. In Germany it is quite difficult to find a card with CDW. My wife told me, that she had some problem to find one in France (hope to get some input here) too.

canuck_in_pa Apr 8, 2006 2:35 pm

The other thing to look for is primary vs secondary coverage.

In the US, Diner's Club is primary and so are some business cards (but only when renting for business).

Chase UA Signature Visa is secondary in US but primary elsewhere.

Something else to look for: if they cover loss-of-use. Amex cards typically didn't for example but that's changing I believe.

SAFLYER66 Apr 23, 2006 9:35 am

When I rent cars I never elect to purchase there insurance

My personal insurance and my credit cards take care of that so why pay the money


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