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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. |
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 |
for further use
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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... |
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... |
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... 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. |
Originally Posted by totti
....I am not that familiar with the american CC system..
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. |
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. |
I believe that the Citigroup Chairman card offers this benefit.
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Originally Posted by USAFAN
I never had US card without CDW, all or at least most offer CDW coverage.
Originally Posted by Happy
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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. |
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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