Best Credit Card with Rental Car Insurance

The best car rental credit cards differ from other types of cards in several ways, including their insurance policies and the variety of benefits they offer. The latter may include elite status with car rental companies, card rental insurance, and access to the best rental car rewards programs. Sounds good, doesn't it? And there is more. Read on if you’re looking for cards that offer car rental insurance and other perks to make travel more comfortable, safe, and affordable.

By Myfin Team
Reviewed by Anastasia Staples
Updated July 06, 2022

Best Credit Cards for Car rental in July 2022

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Capital One® Venture X Rewards best for Car rental

Venture X Rewards Capital One
Annual Fee:
$395 annually
Regular APR:
16.99% - 23.99% Variable
Our Rating:
3.76
scorer
Сredit score
Excellent (740-799)
  • Rewards Rate:
    • 10,000x 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
    • 10x Miles on hotels & rental cars booked through Capital One Travel.
    • 5x Miles on flights booked through Capital One Travel.
    • 2x Miles on all other purchases.
  • Intro Offer:
    • 100,000x Bonus miles once you spend $10,000 on purchases within the first 6 months from account opening.
  • Issuer name:
    Capital One®
  • Details:

    The Capital One Venture X Rewards Credit Card offers a welcome bonus of 100,000 bonus miles when you spend $10,000 on purchases in the first 6 months from account opening.

    Earn 10x Miles on hotels and rental cars (booked through Capital One Travel), 5x Miles on flights (booked through Capital One Travel), 2x Miles per dollar on every purchase.

    The Capital One Venture X Rewards Credit Card charges an annual fee of $395. The APR for purchases and balance transfers is 16.99% - 23.99% (Variable).

    Refer your friends and family to apply for a Venture X card and earn up to 100,000 bonus miles when they’re approved.

  • Pros:
    • Primary rental car coverage
    • Covering the cost of damage or theft of the car up to the full cash value
    • No foreign transaction fees
    • Free additional cardholders
  • Cons:
    • $395 annual fee
    • Rental car coverage does not cover all countries. Exclusions are Israel, Ireland, Northern Ireland, and Jamaica
  • Benefits:
    • 10,000 Miles (Anniversary Bonus);
    • 10x Miles on hotels & rental cars (booked through Capital One Travel);
    • 5x Miles on flights (booked through Capital One Travel);
    • 2x Miles on all other purchases;
    • $300 Annual Travel Credit;
    • $200 Vacation Rental Credit;
    • Capital One Lounge;
    • Priority Pass™;
    • Global Entry & TSA PreCheck®;
    • Cell Phone Protection;
    • Hertz President’s Circle® status;
    • Free Additional Cardholders.
Card detail

Chase Sapphire Reserve® best for Travel, Restaurants, Daily use

Chase Sapphire Reserve® Chase
Annual Fee:
$550 annually ($75 for each authorized user)
Regular APR:
16.99% - 23.99% Variable
Our Rating:
4.11
scorer
Сredit score
Excellent (740-799)
  • Rewards Rate:
    • 10x Points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
    • 10x Total points on Chase Dining purchases with Ultimate Rewards®.
    • 5x Total points on flights when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
    • 3x Points on other travel worldwide after the first $300 is spent on travel purchases annually.
    • 3x Points on other dining at restaurants, including eligible delivery services, takeout and dining out.
    • 1x Point per dollar spent on all other purchases.
  • Intro Offer:
    • 50,000x Bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Issuer name:
    Chase
  • Details:

    Earning rewards with the Chase Sapphire Reserve® Credit Card is very straightforward.

    The card’s variable APR is 16.99% to 23.99%.

    The Chase Sapphire Reserve® has a $550 annual fee.

    New cardmembers can earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®. The bonus points are worth $750 when redeemed through Chase Ultimate Rewards for airfare, hotels, car rentals, or cruises.

    The Chase Sapphire Reserve® offers 10x total points on Chase Dining, 10x total points on hotels and car rentals (when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually), 5x total points on flights (when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually), 3x points on other travel worldwide (after the first $300 is spent on travel purchases annually), 3x points on other dining at restaurants, including eligible delivery services, takeout and dining out.

    Transfer your points to leading airline and hotel loyalty programs at 1 to 1 value. That means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points.

    Cardmembers receive a $300 credit each card anniversary to be used toward travel. This credit is applied as a statement credit for travel purchases automatically. The card also offers a $100 statement credit every four years toward the Global Entry or TSA PreCheck® Fee.

  • Pros:
    • Primary rental car coverage
    • Up to $75,000 coverage for rental car collision damage inside and outside of the U.S.
    • Emergency evacuation and medical bill coverage during the trip up to $100,000
    • National Car Rental elite status
  • Cons:
    • $550 annual fee
    • $75 annual fee for every additional cardholder
  • Benefits:
    • 50,000 bonus points;
    • 10x total points on hotels and car rentals;
    • 10x total points on Chase Dining purchases;
    • 5x total points on flights;
    • 3x points on other travel;
    • 3x points on other dining;
    • $300 Annual Travel Credit;
    • Zero liability protection;
    • 50% more redemption value;
    • Global Entry or TSA Pre✓® Fee Credit ;
    • Complimentary Airport Lounge Access;
    • The Luxury Hotel & Resort Collection;
    • Trip Cancellation/Interruption Insurance;
    • Auto Rental Collision Damage Waiver;
    • Lost Luggage Reimbursement;
    • Emergency Evacuation & Transportation.
Card detail

Chase Sapphire Preferred® best for Travel, Restaurants, Daily use

Chase Sapphire Preferred®
Annual Fee:
$95 annually
Regular APR:
15.99% - 22.99% Variable
Our Rating:
4.53
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • $50 Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards®.
    • 5x Points on travel purchased through Chase Ultimate Rewards®, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit.
    • 3x Points on dining, including eligible delivery services, takeout and dining out.
    • 3x Points on online grocery purchases (excluding Target, Walmart and wholesale clubs).
    • 3x Points on select streaming services.
    • 2x Points on other travel purchases.
    • 1x Point per dollar spent on all other purchases.
  • Intro Offer:
    • 60,000x Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when redeemed through Chase Ultimate Rewards®.
  • Issuer name:
    Chase
  • Details:

    The Chase Sapphire Preferred® Credit Card offers 5x points on travel (purchased through Chase Ultimate Rewards®, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit), 3x on dining, online grocery purchases and select streaming services, 2x on travel.

    Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when redeemed through Chase Ultimate Rewards®.

    The Chase Sapphire Preferred® has a $95 annual fee. The card’s variable APR is 15.99% to 22.99%.

    My Chase PlanSM Fee is 1.72% (monthly fee) of the amount of each eligible purchase transaction or amount selected to create a My Chase Plan. The My Chase Plan Fee will be determined at the time each My Chase Plan is created and will remain the same until the My Chase Plan is paid in full.

  • Pros:
    • Primary rental car coverage
    • 24/7 customer support worldwide
    • $95 annual fee
    • No international exchange fees
    • 60,000 bonus points for $4,000 spent in the first three months
  • Cons:
    • Requires good to excellent credit
  • Benefits:
    • 60,000 Bonus Points;
    • $50 in statement credits;
    • 5x points on travel;
    • 3x points on dining;
    • 3x points on online grocery purchases;
    • 3x points on select streaming services;
    • 2x points on other travel purchases;
    • 25% more redemption value;
    • 1:1 Point Transfer;
    • Trip Cancellation/Interruption Insurance;
    • Auto Rental Collision Damage Waiver;
    • Baggage Delay Insurance;
    • Travel and Emergency Assistance Services.
Card detail

Chase United℠ Explorer best for Honeymoon

United℠ Explorer Chase
Annual Fee:
$0 for the first year $95 thereafter
Regular APR:
16.49% - 23.49% Variable
Our Rating:
4.36
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2x Miles on United purchases, dining and hotel stays.
    • 1x Mile per $1 spent on all other purchases.
  • Intro Offer:
    • 50,000x Bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
  • Issuer name:
    Chase
  • Details:

    The United℠ Explorer Credit Card offers 50,000 miles when you spend $3,000 in the first three months.

    As a cardholder, you’ll earn 2x miles per dollar on United, dining and hotel spending and 1x mile per dollar on all other purchases.

    The United℠ Explorer Credit Card's APR is 16.49% - 23.49% (Variable), 29.99% (Penalty APR).

    The card has a $0 annual fee for the first year, $95 thereafter.

    Earn up to $100 as a statement credit for Global Entry or TSA PreCheck® every 4 years as reimbursement for the application fee for either program when charged to your card. Plus, earn 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights when you pay with your Explorer Card.

    In addition to earning miles for purchases made with your card, you can earn miles by flying with United℠, United Express®, Star Alliance and other airline partners. You can also earn miles from Mileage Plus partners for hotel stays and car rentals, online shopping, eGift card purchases and by using the MileagePlus X app to pay at your favorite restaurants and retailers.

    The primary Cardmember and one companion traveling on the same reservation will each receive their first standard checked bag free – calculated as up to a $35 value for the first checked bag, each way, per person – on United-operated flights when purchasing tickets with their United℠ Explorer Card.

    Get complimentary Visa Signature® Concierge Service 24 hours a day. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.

    Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

  • Pros:
    • Primary rental car coverage
    • $0 intro annual fee for the first year, then $95 annually
    • New cardholder bonus offer of 50,000 bonus miles after you spend $3,000 on purchases in the first three months
    • No foreign transactions fees
  • Cons:
    • High APR
  • Benefits:
    • 2x miles on United Airlines purchases, dining, and hotel stays;
    • 1x mile on all other purchases;
    • 50,000 bonus miles;
    • Free first checked bag;
    • Priority boarding;
    • $100 Global Entry or TSA PreCheck® fee credit;
    • 2 United ClubSM one-time passes;
    • 25% back on United inflight purchases;
    • Premier upgrades on award tickets;
    • The Luxury Hotel & Resort Collection;
    • United MileagePlus® Cardmember Exclusives;
    • United Card Events;
    • Auto Rental Collision Damage Waiver;
    • Baggage Delay Insurance;
    • Lost Luggage Reimbursement;
    • Trip Cancellation / Trip Interruption Insurance;
    • Trip Delay Reimbursement;
    • Extended Warranty Protection;
    • Premier qualifying points (PQP);
    • MileagePlus miles.
Card detail

American Express® The Platinum Card® best for Young couples

The Platinum Card® American Express
Annual Fee:
$695 annually
Regular APR:
16.24% - 23.24% Variable
Our Rating:
3.79
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5x Points on up to $500,000 spent on directly-booked airfare and flights (per calendar year).
    • 5x Points on prepaid hotels.
    • 1x Points on all other purchases.
  • Intro Offer:
    • 100,000x Membership Rewards® Points after you spend $6,000 on purchases on your new card in your first 6 months of Card Membership.
  • Issuer name:
    American Express®
  • Details:

    The Platinum Credit Card® from American Express® is one of the most high-flying travel rewards cards on the market.

    The Card's APR: 16.24% - 23.24% (Variable).

    The Platinum Credit Card® earns 100,000 points after spending $6,000 in your first six months. Plus, enjoy 5x points on flights (booked directly with airlines or with American Express Travel, on up to $500,000 on these purchases per calendar year) and hotels (booked on AmexTravel.com).

    The Card’s annual fee is the highest: $695. The card doesn’t charge foreign transaction fees.

    Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member and Additional Centurion Cards only.

    You can register separately for Hilton Honors Gold status or for Marriott Bonvoy Gold Elite status, both of which offer a variety of complimentary hotel guest perks. Hotel perks may include waived resort fees, breakfast, late check-out (and an online check-in option), and higher reward earning rates on stays with eligible hotels through each loyalty program.

  • Pros:
    • Premium car rental status
    • $1,000 insurance against theft or damage to personal property in the rental vehicle
    • $15 per month in Uber Cash
  • Cons:
    • $695 annual fee
    • No liability insurance
  • Benefits:
    • 100,000 Membership Rewards® Points;
    • 5x points on directly-booked airfare and flights, prepaid hotels;
    • 1x points on all other purchases;
    • Platinum Card® Concierge;
    • Global Dining Collection;
    • Preferred Seating;
    • Return Protection;
    • Uber Rides with Platinum;
    • The Global Lounge Collection®;
    • International Airline Program;
    • Fee Credit for Global Entry or TSA Pre✓®;
    • Fine Hotels & Resorts® Program;
    • Platinum Travel Service;
    • Marriott Bonvoy™ Gold Elite Status;
    • Hilton Honors Gold Status;
    • Car Rental Loss and Damage Insurance;
    • Trip Delay;
    • Trip Cancellation;
    • Terms Apply.
Card detail

Chase United Club℠ Infinite best for Car rental

United Club℠ Infinite Chase
Annual Fee:
$525 annually
Regular APR:
16.49% - 23.49% Variable
Our Rating:
3.77
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 4x Miles per $1 spent on purchases from United, including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, and other United charges.
    • 2x Miles per $1 spent on all other travel purchases, including airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, ride share services and tolls.
    • 2x Miles per $1 spent on dining including eligible delivery services.
    • 1x Mile per $1 spent on all other purchases.
  • Intro Offer:
    • 80,000x Bonus Miles after you spend $5,000 on purchases in the first 3 months from account opening.
  • Issuer name:
    Chase
  • Details:

    The United Club℠ Infinite Credit Card earns 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.

    Enjoy United Club℠ membership (up to a $650 value per year) and 2 free checked bags. Plus, earn 4x miles per $1 spent on United® purchases, 2x miles on other travel, 2x miles on dining (including eligible delivery services), 1x mile on all other purchases.

    The Card's annual fee is $525. The APR for purchases and balance transfers is 16.49% - 23.49% (Variable).

  • Pros:
    • Primary car rental insurance in the U.S.A. and abroad
    • Сoverage limit equal to the cash value of the car
    • Hertz elite status
    • No foreign transaction fees
  • Cons:
    • $525 annual fee
    • Requires excellent credit
  • Benefits:
    • 80,000 bonus miles;
    • United ClubSM membership – up to a $650 value per year;
    • 4x miles on United purchases;
    • 2x miles on all other travel purchases;
    • 2x miles on dining;
    • 1x mile on all other purchases;
    • Up to $100 as a statement credit for Global Entry or TSA PreCheck®;
    • Free first and second checked bags - save up to $320 per roundtrip;
    • $70 discount on CLEAR® membership plus 10,000 bonus miles;
    • 25% back on United inflight purchases;
    • IHG Rewards Platinum Elite status;
    • The Luxury Hotel & Resort Collection;
    • Avis President's Club;
    • Trip Cancellation/Trip Interruption Insurance;
    • Baggage Delay Insurance;
    • Lost Luggage Reimbursement;
    • Trip Delay Reimbursement;
    • Visa Infinite® Concierge Services;
    • Auto Rental Collision Damage Waiver;
    • Extended Warranty Protection.
Card detail

Capital One® Venture Rewards best for Travel, Daily use

Venture Rewards Capital One
Annual Fee:
$95 annually
Regular APR:
15.99% - 23.99% Variable
Our Rating:
3.69
scorer
Сredit score
Excellent (740-799)
  • Rewards Rate:
    • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
    • 2x Miles on all purchases.
  • Intro Offer:
    • 60,000x Bonus miles when you spend $3,000 on purchases in the first 3 months from account opening.
  • Issuer name:
    Capital One®
  • Details:

    The Capital One Venture Rewards Credit Card offers rewards of 2 miles for every $1 spent on all purchases, plus 5 miles per dollar on hotels and rental cars booked through Capital One Travel.

    Earn 60,000 bonus miles when you spend $3,000 on purchases in the first 3 months from account opening.

    The Capital One Venture Rewards Credit Card's APR: 15.99% - 23.99% (Variable). The card has an annual fee of $95.

    When using your Venture card to cover the application fee, you can receive up to $100 in credit for your Global Entry or TSA Precheck application.

    As a travel card, your primary redemption options are to book travel through the Capital One rewards portal, receive a statement credit for recent eligible travel purchases (within the last 90 days) or transfer miles to partner airline and hotel programs.

    Capital One’s assistant program, Eno, is like your account management system rolled into one helpful assistant. It monitors your account for fraud, sends alerts, creates virtual credit card numbers and provides useful account info like your balance.

    Perhaps the most interesting of these abilities is its virtual credit card number storage. Virtual credit cards are getting harder to come by, and Eno provides another layer of protection when you shop online by saving a unique virtual card number for each merchant you transact with.

  • Pros:
    • $95 annual fee
    • Auto rental collision damage waiver
    • No fees when making purchases abroad
  • Cons:
    • No primary car rental coverage
  • Benefits:
    • 2x miles on all purchases;
    • 5x miles on hotels and car rentals;
    • 60,000 bonus miles;
    • $0 Fraud Liability;
    • 24/7 Customer Service;
    • The Eno assistant;
    • 24-Hour Travel Assistance Services;
    • Global Entry or TSA Precheck Credit;
    • Auto Rental Collision Damage Waiver;
    • Travel Accident Insurance;
    • Transfer Your Miles;
    • Capital One Shopping;
    • Shop With Your Rewards;
    • Premier Culinary Experiences;
    • Big-time Sports Events;
    • Must-See Music Events.
Card detail

Chase Freedom Unlimited® best for Cash Back, 0 APR, No Annual Fee, Daily use

Chase Freedom Unlimited®
Annual Fee:
$0
Regular APR:
14.99% - 23.74% Variable
Our Rating:
5
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
    • 3% Cash back on dining at restaurants, including takeout and eligible delivery services.
    • 3% Cash Back on drugstore purchases.
    • 1.5% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
    • 5% Cash Back on gas station purchases on up to $6,000 spent in the first year.
  • Purchase Intro APR:
    0% Intro APR for the first 15 months that your Account is open
  • Balance Transfer APR:
    0% Intro APR for the first 15 months that your Account is open
  • Issuer name:
    Chase
  • Details:

    The Chase Freedom Unlimited® Credit Card offers 0% introductory APR period (14.99% to 23.74% Variable after that) and a sign-up bonus that’s worth far more than most Cash-Back cards offer — all for an annual fee of $0.

    The card offers 5% back on travel booked through Chase, 3% Cash Back on restaurants and drugstore purchases and 1.5% back on other purchases.

    Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. And earn 5% cash back on gas station purchases on up to $6,000 spent in the first year.

  • Pros:
    • No annual fee
    • $200 bonus after you spend $500 on purchases in the first three months, plus an increased 5% cash back at gas stations on up to $6,000 spent in the first year.
  • Cons:
    • Secondary car rental insurance
  • Benefits:
    • Zero Liability Protection;
    • $200 intro bonus;
    • 5 percent Cash Back on all travel purchased via the Chase Ultimate Rewards portal;
    • 3 percent back on dining;
    • 3 percent back at drugstores;
    • 1.5 percent Cash Back on general purchases;
    • Auto Rental Collision Damage Waiver;
    • Trip Cancellation/Interruption Insurance;
    • Travel and Emergency Assistance Services;
    • 24/7 Fraud Protection;
    • Redeem for Cash Back;
    • Gift cards.
Card detail

American Express® Blue Cash Preferred® best for Gas, Groceries, Streaming services, Daily use

Blue Cash Preferred® American Express
Annual Fee:
$0 intro annual fee for the first year $95 for the rest years
Regular APR:
14.24% - 24.24% Variable
Our Rating:
4.55
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 6% Cash Back on groceries. Up to $6,000 per year in purchases at U.S. supermarkets.
    • 6% Cash Back on streaming (select U.S. streaming subscriptions).
    • 3% Cash Back on transit. Transit includes taxis, rideshare, parking, tolls, trains, buses, and more.
    • 3% Cash Back on gas.
    • 1% Cash Back on other purchases.
  • Intro Offer:
    • $350 Earn $350 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive the $350 back in the form of a statement credit.
  • Purchase Intro APR:
    0% Introductory APR for the first 12 months from the date of account opening
  • Balance Transfer APR:
    0% Introductory APR for the first 12 months from the date of account opening
  • Issuer name:
    American Express®
  • Details:

    The Blue Cash Preferred® Credit Card provides high rewards at U.S. supermarkets and U.S. gas stations, and for streaming services (select U.S. streaming subscriptions), and transit expenses. It has a $0 introductory annual fee for the first year, then $95.

    The Blue Cash Preferred® Credit Card from American Express® offers a 0% introductory APR promotion. You’ll pay no interest on purchases for 12 months and then an APR of 14.24% - 24.24% Variable. The Blue Cash Preferred Credit Card's Penalty APR is 29.99%.

    The Card also has 0% introductory plan fee on each purchase moved into a plan during the first 12 months after account opening. After that, your plan fee will be up to 1.33% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.

    The Blue Cash Preferred® Credit Card has a welcome bonus where cardholders earn a $350 statement credit after spending $3,000 on the new card within the first six months of card membership.

  • Pros:
    • Excellent cashback bonuses
    • 0% purchase APR in the first 12 months
    • Great introductory bonuses
  • Cons:
    • Cashback cap
    • Annual fee
    • Foreign transaction fee
    • Balance transfers are not available
  • Benefits:
    • Earn $350 Back (in the form of a statement credit);
    • 6% Cash Back at U.S. Supermarkets;
    • 6% Cash Back on streaming subscriptions;
    • 3% Cash Back on transit;
    • 3% Cash Back on gas;
    • 1% Cash Back on other purchases;
    • Extended warranty;
    • Fraud Protection;
    • Return Protection;
    • Car Rental Loss and Damage Insurance;
    • Global Assist® Hotline;
    • Pay It Plan It®;
    • American Express Experiences;
    • Terms Apply.
Card detail

Chase Freedom Flex℠ best for Cash Back, 0 APR, No Annual Fee, Daily use

Chase Freedom Flex℠
Annual Fee:
$0
Regular APR:
14.99% - 23.74% Variable
Our Rating:
5
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on up to $1,500 on combined purchases in bonus categories each quarter you activate.
    • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
    • 3% Cash Back on dining at restaurants, including takeout and eligible delivery services.
    • 3% Cash Back on drugstore purchases.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
    • 5% Cash Back on gas station purchases on up to $6,000 spent in the first year.
  • Purchase Intro APR:
    0% Intro APR for the first 15 months that your Account is open
  • Balance Transfer APR:
    0% Intro APR for the first 15 months that your Account is open
  • Issuer name:
    Chase
  • Details:

    The Chase Freedom Flex card offers Cash Back in a wide variety of categories.

    You’ll earn 5% Cash Back on travel (through the Chase Ultimate Rewards travel service, and also for Lyft rides). Plus, earn 5% Cash Back on gas on up to $6,000 spent in the first year. You’ll also get 3% Cash Back on restaurant purchases, on drugstore purchases and 1% Cash Back on all other purchases.

    Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

    The card offers a 15-month 0% annual percentage rate for purchases, after which the APR is 14.99% - 23.74% Variable. Unfortunately, the card does not offer an introductory APR on balance transfers. The card charges no annual fee but 5%, or a $5 minimum fee, on balance transfers.

  • Pros:
    • $200 sign-up bonus
    • High cash back rewards on quarterly rotating bonus categories
    • Decent cash back rewards on select spending categories
    • 0% intro APR on purchases
    • No annual fee
  • Cons:
    • Foreign transaction fee
    • Rotating spending categories require activation
    • No intro APR on balance transfers
  • Benefits:
    • 5% Cash Back on gas;
    • 5% Cash Back on up to $1,500 on combined purchases in bonus categories;
    • 5% Cash Back on travel purchased through Chase Ultimate Rewards;
    • 3% Cash Back on dining at restaurants, including takeout and eligible delivery services;
    • 3% Cash Back on drugstore purchases;
    • 1% Cash Back on all other purchases;
    • $200 Cash Back;
    • Zero Liability Protection;
    • Extended Warranty Protection;
    • Trip Cancellation/Interruption Insurance;
    • Cell Phone Protection;
    • Auto Rental Collision Damage Waiver;
    • Travel and Emergency Assistance Services.
Card detail

Best Credit Cards for Car Rental

Renting a car with a credit card can provide a way to avoid extra charges in case of an accident, as many credit card issuers include car rental insurance with their cards. Many also include numerous benefits, so it's a good idea to research as many conditions as you can on different cards. To make things easier for you, we have studied the market and compiled a list of the best credit cards for rental cars.

Short Review of Best Credit Cards for Car Rental

NameBest forRewards RateAPRApply
Capital One® Venture X Rewards
3.76
Car rental
  • 10,000x 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
  • 10x Miles on hotels & rental cars booked through Capital One Travel.
  • 5x Miles on flights booked through Capital One Travel.
  • 2x Miles on all other purchases.
  • 16.99% - 23.99% VariableLearn more
    Chase Sapphire Reserve®
    4.11
    Travel, Restaurants, Daily use
  • 10x Points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
  • 10x Total points on Chase Dining purchases with Ultimate Rewards®.
  • 5x Total points on flights when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
  • 3x Points on other travel worldwide after the first $300 is spent on travel purchases annually.
  • 3x Points on other dining at restaurants, including eligible delivery services, takeout and dining out.
  • 1x Point per dollar spent on all other purchases.
  • 16.99% - 23.99% VariableLearn more
    Chase Sapphire Preferred®
    4.53
    Travel, Restaurants, Daily use
  • $50 Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards®.
  • 5x Points on travel purchased through Chase Ultimate Rewards®, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit.
  • 3x Points on dining, including eligible delivery services, takeout and dining out.
  • 3x Points on online grocery purchases (excluding Target, Walmart and wholesale clubs).
  • 3x Points on select streaming services.
  • 2x Points on other travel purchases.
  • 1x Point per dollar spent on all other purchases.
  • 15.99% - 22.99% VariableLearn more
    Chase United℠ Explorer
    4.36
    Honeymoon
  • 2x Miles on United purchases, dining and hotel stays.
  • 1x Mile per $1 spent on all other purchases.
  • 16.49% - 23.49% VariableLearn more
    American Express® The Platinum Card®
    3.79
    Young couples
  • 5x Points on up to $500,000 spent on directly-booked airfare and flights (per calendar year).
  • 5x Points on prepaid hotels.
  • 1x Points on all other purchases.
  • 16.24% - 23.24% VariableLearn more
    Chase United Club℠ Infinite
    3.77
    Car rental
  • 4x Miles per $1 spent on purchases from United, including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, and other United charges.
  • 2x Miles per $1 spent on all other travel purchases, including airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, ride share services and tolls.
  • 2x Miles per $1 spent on dining including eligible delivery services.
  • 1x Mile per $1 spent on all other purchases.
  • 16.49% - 23.49% VariableLearn more
    Capital One® Venture Rewards
    3.69
    Travel, Daily use
  • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
  • 2x Miles on all purchases.
  • 15.99% - 23.99% VariableLearn more
    Chase Freedom Unlimited®
    5
    Cash Back, 0 APR, No Annual Fee, Daily use
  • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
  • 3% Cash back on dining at restaurants, including takeout and eligible delivery services.
  • 3% Cash Back on drugstore purchases.
  • 1.5% Cash Back on all other purchases.
  • 14.99% - 23.74% VariableLearn more

    Who should apply

    Capital One® Venture X Rewards

    The Venture X Rewards​ is a great choice for people who travel a lot. To get this card, you need to pay an annual fee, but we believe that this more than pays off, thanks to the generous conditions offered. Namely, the Capital One® Venture X Rewards​ Credit Card offers primary car rental insurance coverage up to $75,000. So, do not forget to refuse additional car insurance from the car rental company because Venture X Rewards​ has you covered. In addition, the card user receives 100,000 bonus miles for $10,000 spent on purchases in the first six months. After that, they get 10,000 bonus miles annually. All accumulated bonuses can be spent on car rentals and on flights and hotels. If you book a car through Capital One Travel, you can earn up to 10x miles. With the card, you get the Hertz President’s Circle status, which provides access to the President’s Circle call centerline and guaranteed upgrades.

    Read more about Capital One® Venture X Rewards

    Chase Sapphire Reserve®

    A personal favorite of many, this card rightly deserves its place on our list. The Chase Sapphire Reserve® card offers generous $75,000 insurance coverage, and its coverage is primary. Based on these conditions, you can safely replace the loss damage waivers offered by car rental companies with this insurance. And let's not forget Chase Ultimate Rewards points, which you can use to save money on future travel. Each point is equal to 1.5 cents when booking through the issuer’s portal, which means that for only 20,000 points, you can rent a car that would otherwise cost you $300. On top of this, cardholders can receive car rental discounts from National, Avis, and Silvercar. The use of this card also opens access to other perks, such as an annual $300 travel credit, free entrance to lounges of many airports, and a large sign-up bonus.

    Read more about Chase Sapphire Reserve®

    Chase Sapphire Preferred®

    The second Chase Sapphire card on our list is much more affordable, with a $95 annual fee, and it also has a lot to offer. For example, you do not have to access additional insurance in case of vehicle damage because the Chase Sapphire Preferred® card provides primary rental coverage. Therefore, you can decline the coverage offered by the car rental company and use the savings at your discretion. Like the previously mentioned card from Chase, the Chase Sapphire Preferred® card will allow you to book a rental car for points. Each point is equal to 1.25 cents when booking through Ultimate Rewards; that is, 10,000 points is enough to cover a car rental worth $125. In addition, there is an opportunity to earn 10% of the sum of your purchases for the previous year with bonus points.

    Read more about Chase Sapphire Preferred®

    Chase United℠ Explorer

    It’s a handy card for frequent United flyers, which also offers excellent conditions for renting vehicles. Rental car insurance is primary and it covers the cash value of the car in case of any damage. The offer applies to most rental agreements worldwide. You can decline the car company’s collision insurance and be covered by the card. You may also spend your bonus points on car rental. Additionally, cardholders get United Club membership.

    Read more about Chase United℠ Explorer

    American Express® The Platinum Card®

    This card allows you to access benefits from three car rental companies at once: National, Avis, and Hertz. With National, you will get Emerald Club Executive status. The second company, Avis, will also give you a special status that will allow you to save time, collect bonus points and receive exclusive promotions. Hertz will offer you a special corporate discount code, which may come in handy for you to save on your next car rental. And there's good news for some lucky cardholders in certain locations: for residents of Utah and Vermont, car insurance will be primary. Elsewhere, you can still save on the collision damage waiver offered by the car rental agency if you are willing to file a claim with any other applicable insurance first in the event of car damage or theft. With the help of the Platinum Card®, you can earn 100,000 bonus points if you spend over $6,000 during the first six months.

    Read more about American Express® The Platinum Card®

    Chase United Club℠ Infinite

    If secondary car rental insurance is not for you, have a closer look at this card as it offers primary coverage for most rental cars, including theft and damage. The other feature of the card is United Club membership. You can use your United miles to rent a car. Primary cardholders will also get free Hertz Gold Plus Rewards President’s Circle membership. With this elite status, you can get guaranteed upgrades, 1.5x Gold Plus Rewards points on Hertz car rentals, and access to a wider selection of vehicles with no extra charge.

    Read more about Chase United Club℠ Infinite

    Capital One® Venture Rewards

    This is an affordable credit card with secondary rental car insurance and travel accident insurance. The card offers a bonus system with the opportunity to earn miles. One of the bonus categories is car rental, so you can earn 5х miles if you book a car and pay by card through the Capital One Travel portal. Capital One® Venture Rewards​ cardholders can redeem Venture miles at a rate of 1 cent each. Thus, you can exchange 10,000 earned miles for a car rental at the price of $100. There are also 15 associated transfer partners so you can transfer your miles to select hotel and airline loyalty programs. Throw in rich travel rewards and a generous sign-up bonus, and you've got a card that sits firmly on the list of the best cards for car rental.

    Read more about Capital One® Venture Rewards

    Chase Freedom Unlimited®

    ​This card is affordable and full of attractive bonuses. The Chase Freedom Unlimited®​ cash back program provides an opportunity to get cash back rewards when renting a car. For example, you earn an increased 5% in cash back rewards for each $1 spent on car rentals. At the same time, cash back doesn’t expire, so you can use it at any time, and there are no restrictions on how much of it you can earn every year. Additionally, if your company does not include fuel in the rental price, with the Chase Freedom Unlimited®​ card, you get 5% cash back on gas station purchases within the first year of account opening (on up to $6,000 in purchases). The cash back can be redeemed for renting a vehicle, among other redemption options. The card provides secondary insurance coverage. In addition, the card boasts 0% APR on purchases and balance transfers during the first 15 months (14.99% - 23.74%​ variable APR thereafter).

    Read more about Chase Freedom Unlimited®

    How to Choose the Best Credit Card to Use for Car Rentals

    The market is full of options for those who prefer to pay for renting a car with a credit card. With so many choices, it’s easy to miss key details. Before you pick a card, keep the following points in mind.

    1. Find out what is included in primary rental car coverage and what you can get with secondary car rental insurance. The differences between these two types will be explained further. Only a few cards offer primary rental car insurance.
    2. Think about the kind of rewards you’re looking to earn. Looking to earn Would you like bonus points for dining or travel? Or maybe you’d rather earn a higher rate on all purchases without worrying about bonus categories? Consider your spending habits to choose the right card.
    3. Next, think about credit card benefits you consider important. Some cards offer a Priority Pass membership, luggage and travel insurance, a TSA Precheck or Global Entry membership, and other perks. Pick what you need the most.
    4. Pay attention to the welcome bonus. There is usually a certain time limit and a minimum amount you have to spend to get the bonus. Do the conditions seem realistic to you?
    5. In which countries are you going to rent a car? Some card issuers may not offer car rental coverage in countries excluded from their policy.
    6. What is the coverage limit, and is it enough for you? If you often rent expensive cars, the limit must be considerably higher. Moreover, credit card coverage often excludes expensive or exotic cars.
    7. What annual fee is acceptable for you? Some premium credit cards with car rental coverage may be quite expensive.

    The answers to these simple questions will help you find the best option for you. The research may take some time, but the perfect credit card is worth it.

    How Rental Car Insurance on Credit Cards Works

    Terms may differ, but in general, you need to pay for a car rental with an eligible card. Usually you need to be the primary driver, but other drivers may be included in the rental agreement as well.

    Next, you need to decline the collision damage waiver offered by the rental company. If your rental gets damaged or stolen, you either file a claim with your credit card company (if you have primary car rental insurance) or your insurance provider first if your card only offers secondary coverage. In that case, your credit card coverage will kick in after your own insurance coverage is exhausted.

    Primary vs. Secondary Car Rental Coverage

    In case of an accident, primary coverage pays first, meaning you can bypass your personal car insurance and avoid paying a deductible.

    Secondary coverage requires that you go through your insurance first. Once your insurance pays the claim, your credit card coverage can cover your deductible and other potential costs. Collision Damage Waivers (CDW) and Loss Damage Waivers (LDW)

    Collision damage waiver (CDW) will have your back in case an accident happens. It covers all damage to the rental without charging a deductible. However, that coverage only applies to your rental, meaning if you’re in an accident and cause damage to property or another car, the CDW won’t cover it.

    Loss damage waiver (LDW) adds theft protection on top of CDW CDW. This coverage pays for car replacement if your rental vehicle is stolen.Note that car rental companies often use terms CDW and LDW interchangeably. Make sure to read the coverage details carefully to know what you’re getting.

    Don’t forget that both CDW and LDW are valid if you haven’t broken the rules of the car rental company.

    Pros and Cons of Credit Card Car Rental Insurance

    Having insurance that kicks in automatically when you pay for a rental car with your credit card is quite handy. However, there are some things you should keep in mind:

    • Most cards offer only secondary coverage
    • If primary coverage is crucial for you, you may face higher annual fees
    • The coverage only covers the vehicle you’re renting and excludes damage to property and other vehicles

    Pros and Cons of Renting a Car with a Credit Card

    Pros: Cons:
    Select cards come with complimentary car rental coverage which kicks in automatically when you pay for the car with your card. Many credit cards don’t cover anything other than damage to the rental or theft.
    Some cards offer really generous primary rental car insurance. The coverage applies in a limited number of countries.
    You may collect bonus points for money spent on car rentals. Not all types of vehicles are included.
    Most credit cards offer only secondary car rental coverage which only applies after your personal car insurance policy is exhausted.

    Tips for Renting a Car with a Credit Card

    Here are some things you need to think about:

    • Credit cards with primary insurance have higher annual fees, but this type of insurance is more valuable than secondary coverage.
    • Read all the terms and conditions carefully. Don’t hesitate to ask the bank some questions. Being aware of what your car rental coverage can help you with can save you a lot of money during your business trip or holiday.
    • See how a credit card can bring you value outside of renting cars. Have a look at all the bonuses and benefits. Some credit cards have lucrative bonus categories, such as travel, food, hotels and others). If possible, pick a card that fits your spending.
    • Find out what exclusions and limitations your car rental coverage has. For example, credit card rental insurance policies usually cover your rental for up to 31 days. However, this may change from card to card. This means that in some instances, your card won’t cover you for the entire rental period.

    How to Maximize Car Rental Credit Card Rewards

    If you want to make the most out of your car rental credit card, here are some things that may come in handy:

    1. Find out if your credit card offers an elite status at certain rental car services. In this case, you may be entitled to reduced rates, automatic upgrades, and more points.
    2. Don’t forget about the card’s welcome bonus. Make sure you use your new card for purchases outside of car rentals to hit the minimum spend on time. Look into your card issuer’s travel portal. You may be able to earn extra points if you book your car rental through it.
    3. Maximize the card’s value by using it to shop in bonus categories. For example, you may get more points dining at restaurants, booking hotels and or even just buying groceries.

    FAQ

    Which Credit Cards Cover Car Rental Insurance?

    Quite a few credit cards on the market offer car rental insurance. Some of the most popular examples include:
    • The Platinum Card® from American Express®
    • Chase Sapphire Reserve® Credit Card
    • Chase Sapphire Preferred® Credit Card
    • Chase Ink Business Preferred® Credit Card
    • Chase Ink Business Cash® Credit Card
    • Chase Ink Business Unlimited® Credit Card
    • Chase United℠ Explorer Credit Card
    • United Quest Credit Card
    • Chase United Club℠ Infinite Credit Card
    • United Business Credit Card
    • Capital One® Venture X Rewards Credit Card
    • Capital One Spark® Cash for Business Credit Card
    • Capital One® Spark® Miles for Business Credit Card

    Which Credit Cards Offer Primary Сar Rental Insurance?

    The top credit cards with primary rental car insurance include the Chase Sapphire and Freedom cards, as well as some of the issuer’s co-branded cards and business cards.
    Capital One offers primary car rental insurance with the Capital One® Venture X Rewards Credit Card.
    As for American Express, most of its cards offer secondary car rental coverage. However, you can sign up for an optional Premium Car Rental Protection policy for a fee and get primary coverage.

    Do You Need a Credit Card to Rent a Car?

    No, many car rental agencies accept debit cards, cash, or even money orders. However, an additional security deposit and credit check may be required.

    Do Rental Car Companies Prefer Credit Cards?

    They do, even though a few of them still accept other forms of payment. A credit card serves as a guarantee that you have enough money to pay for the rental.

    Can I Pay the Deposit with my Credit card?

    Yes, you can pay the deposit with your credit card. Plus,for credit card car rental insurance to apply, you have to pay for the rental and all additional fees with your credit card.