Greatest Credit score Playing cards for Automotive Rental Insurance coverage for December 2023

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All bank cards on this checklist are researched and handpicked by the CNET editorial workers. We frequently seek the advice of with private finance consultants to make sure our recommendation is correct and knowledgeable, however these consultants usually are not concerned in our choice course of.

Journey bank cards can bolster your experiences away from house in quite a few methods, from getting you thru TSA quicker to incomes rewards in your journey spending. Throughout all the journey card varieties — airline miles bank cards, resort bank cards, or basic journey bank cards — most will provide a collection of journey insurance coverage protections.

For instance, there are a selection of bank cards that present cardholders with an auto rental collision harm waiver, or rental automotive insurance coverage. Rental automotive insurance coverage will be both secondary protection or the extra coveted main protection.

Major protection means the bank card’s insurance coverage can pay out earlier than every other automotive insurance coverage you could have, whereas secondary protection will take impact solely after your private insurance coverage pays. Major protection can also be prone to have higher phrases and canopy the complete value of the harm. Secondary protection may cowl much less, however nonetheless presents some safety.

CNET’S PICK

CNET Score

CNET charges bank cards by evaluating their presents to these of their categorical rivals. Every card is individually evaluated by means of a formulation which displays the requirements and expectations of the modern market. Bank card issuers haven’t any say or affect in our scores. How we fee bank cards

Intro Provide

60,000 bonus factors

Earn 60,000 bonus factors after you spend $4,000 on purchases within the first 3 months from account opening. That’s $750 if you redeem by means of Chase Final Rewards®.

Rewards Charge

2x
– 5x

5x on journey bought by means of Chase Final Rewards®; 3x on eating.; 2x on all different journey purchases, plus extra.

Rec. Credit score

Beneficial Credit score: A credit score rating is used to point an applicant’s credit score worthiness and should present steerage about account eligibility. It doesn’t essentially assure approval for any monetary product.

670 – 850

Good – Wonderful

APR

21.49% – 28.49% Variable

The Chase Sapphire Most well-liked is without doubt one of the greatest bank cards for basic vacationers. It has a variety of incomes potential and presents quite a few journey protections, together with main auto rental collision harm waiver. It has an annual charge of $95.

Moreover, it earns 5x factors per greenback for journey purchases made by means of Chase Final Rewards. Cardholders are ready to make use of Chase Final Rewards to ebook rental vehicles, in addition to inns and airfare. You would use the Sapphire Most well-liked to ebook your rental, after which redeem the factors you earn for a 25% bonus for those who ebook journey by means of Chase Final Rewards. Or you’ll be able to switch them to a resort or airline accomplice the place you may discover a good higher worth for them.

You may study extra in our Chase Sapphire Most well-liked assessment.

Intro Steadiness Switch APR: N/A
Intro Buy APR: N/A
Common APR: 21.49% – 28.49% Variable
Steadiness Switch Charge: Both $5 or 5% of the quantity of every switch, whichever is bigger.

5x on journey bought by means of Chase Final Rewards®

2x on all different journey purchases, plus extra.

You may study extra in our Chase Sapphire Most well-liked assessment.

Intro Steadiness Switch APR: N/A
Intro Buy APR: N/A
Common APR: 21.49% – 28.49% Variable
Steadiness Switch Charge: Both $5 or 5% of the quantity of every switch, whichever is bigger.

5x on journey bought by means of Chase Final Rewards®

2x on all different journey purchases, plus extra.

CNET Score

The Platinum Card® from American Express

Intro Provide

Earn 80,000 factors

Earn 80,000 Membership Rewards® Factors after you spend $8,000 on purchases in your new Card in your first 6 months of Card Membership.

Rewards Charge

5x
– 5x

Earn 5X Membership Rewards® Factors for flights booked immediately with airways or with American Specific Journey as much as $500,000 on these purchases per calendar yr.; Earn 5X Membership Rewards® Factors on pay as you go inns booked with American Specific Journey.

Rec. Credit score

670 – 850

Good – Wonderful

APR

See Pay Over Time APR

Phrases apply to American Specific advantages and presents. Enrollment could also be required for choose American Specific advantages and presents. Go to americanexpress.com to study extra.

In trade for a excessive annual charge of $695, cardholders achieve entry to a formidable assortment of perks and credit. Due to the expense, it ought to solely be thought of by vacationers who can take full benefit of all the pieces the cardboard has to supply.

Considered one of its many advantages is automotive rental loss and harm insurance coverage*. Nevertheless, protection is secondary, which implies it’ll solely take impact as soon as your private automotive insurance coverage has paid out. Whereas that does detract from the perk’s worth, there are a selection of different advantages to having this card, together with premium automotive rental standing.

Premium automotive rental standing grants additional perks with quite a few rental automotive companies, together with Avis Most well-liked®, Hertz Gold Plus Rewards® and Nationwide Automotive Rental® Emerald Membership Government. Rental company membership perks embody skipping strains, upgrades when out there and getting your choose of the rental companies’ greatest automobiles.

Take observe: Cardholders might want to enroll in all or any of those memberships by way of their profit dashboard.

Try our The Platinum Card from American Specific assessment to study extra.

Intro Steadiness Switch APR: N/A
Intro Buy APR: N/A
Common APR: See Pay Over Time APR
Steadiness Switch Charge: N/A

Earn 5X Membership Rewards® Factors for flights booked immediately with airways or with American Specific Journey as much as $500,000 on these purchases per calendar yr.

Earn 5X Membership Rewards® Factors on pay as you go inns booked with American Specific Journey.

Phrases apply to American Specific advantages and presents. Enrollment could also be required for choose American Specific advantages and presents. Go to americanexpress.com to study extra

Phrases apply to American Specific advantages and presents. Enrollment could also be required for choose American Specific advantages and presents. Go to americanexpress.com to study extra.

Take observe: Cardholders might want to enroll in all or any of those memberships by way of their profit dashboard.

Try our The Platinum Card from American Specific assessment to study extra.

Intro Steadiness Switch APR: N/A
Intro Buy APR: N/A
Common APR: See Pay Over Time APR
Steadiness Switch Charge: N/A

Earn 5X Membership Rewards® Factors for flights booked immediately with airways or with American Specific Journey as much as $500,000 on these purchases per calendar yr.

Earn 5X Membership Rewards® Factors on pay as you go inns booked with American Specific Journey.

Phrases apply to American Specific advantages and presents. Enrollment could also be required for choose American Specific advantages and presents. Go to americanexpress.com to study extra

CNET Score

Capital One Venture X Rewards Credit Card

Intro Provide

75,000 miles

Earn 75,000 bonus miles if you spend $4,000 on purchases within the first 3 months from account opening, equal to $750 in journey

Rewards Charge

2x
– 10x

Earn limitless 10X miles on inns and rental vehicles booked by means of Capital One Journey and 5X miles on flights booked by means of Capital One Journey.; 5X miles on flights booked by means of Capital One Journey.
; 2 Miles per greenback on each buy, day-after-day

Rec. Credit score

800 – 850

Wonderful

APR

19.99% – 29.99% (Variable)

The Capital One Enterprise X*** is Capital One’s premier journey card. It presents a collection of sturdy perks for its $395 annual charge, together with an annual journey credit score and first auto rental insurance coverage**.

Together with offering main protection, the cardboard additionally earns 10x miles per greenback for rental vehicles booked immediately by means of Capital One Journey. It additionally options Hertz President’s Circle® membership standing, which offers vacationers with assured upgrades, their choose of rental and a devoted customer support line.

Try our Capital One Enterprise X assessment for extra info.

**Phrases, situations, and exclusions apply. Seek advice from your Information to Advantages for extra particulars.

Intro Steadiness Switch APR: N/A
Intro Buy APR: N/A
Common APR: 19.99% – 29.99% (Variable)
Steadiness Switch Charge: $0 on the Switch APR, 4% of the quantity of every transferred steadiness that posts to your account at a promotional APR that Capital One might provide to you

10x

Earn limitless 10X miles on inns and rental vehicles booked by means of Capital One Journey and 5X miles on flights booked by means of Capital One Journey.

5X miles on flights booked by means of Capital One Journey.

2 Miles per greenback on each buy, day-after-day

Try our Capital One Enterprise X assessment for extra info.

**Phrases, situations, and exclusions apply. Seek advice from your Information to Advantages for extra particulars.

Intro Steadiness Switch APR: N/A
Intro Buy APR: N/A
Common APR: 19.99% – 29.99% (Variable)
Steadiness Switch Charge: $0 on the Switch APR, 4% of the quantity of every transferred steadiness that posts to your account at a promotional APR that Capital One might provide to you

10x

Earn limitless 10X miles on inns and rental vehicles booked by means of Capital One Journey and 5X miles on flights booked by means of Capital One Journey.

5X miles on flights booked by means of Capital One Journey.

2 Miles per greenback on each buy, day-after-day

CNET Score

Capital One VentureOne Rewards Credit Card

Intro Provide

20,000 miles

Earn a bonus of 20,000 miles when you spend $500 on purchases inside 3 months from account opening, equal to $200 in journey

Rewards Charge

1.25x
– 5x

Earn 5X miles on inns and rental vehicles booked by means of Capital One Journey, the place you’ll get Capital One’s greatest costs on hundreds of journey choices; Earn limitless 1.25X miles on each buy, day-after-day.

Rec. Credit score

670 – 850

Good – Wonderful

APR

19.99% – 29.99% (Variable)

The Capital One VentureOne Rewards*** presents miles for your entire purchases and a shocking variety of journey protections for a card with no annual charge. Included in that providing is auto rental insurance coverage**.

Whereas protection is secondary, it nonetheless presents an inexpensive choice to get some extra protection when utilizing a rental car. You can even earn a excessive 5x miles per greenback for rental vehicles booked by means of Capital One Journey, and canopy the expense utilizing the miles you earn with the cardboard.

It’s an excellent possibility for those who journey once in a while and need to earn an honest return in your journey spending. You may study extra concerning the card in our Capital One VentureOne Rewards card assessment.

**Phrases, situations, and exclusions apply. Seek advice from your Information to Advantages for extra particulars.

Intro Steadiness Switch APR: 0% intro on steadiness transfers for 15 months
Intro Buy APR: 0% intro on purchases for 15 months
Common APR: 19.99% – 29.99% (Variable)
Steadiness Switch Charge: 3% for the primary 15 months; 4% at a promotional APR that Capital One might give you at every other time

Earn 5X miles on inns and rental vehicles booked by means of Capital One Journey, the place you’ll get Capital One’s greatest costs on hundreds of journey choices

1.25x

Earn limitless 1.25X miles on each buy, day-after-day.

**Phrases, situations, and exclusions apply. Seek advice from your Information to Advantages for extra particulars.

Intro Steadiness Switch APR: 0% intro on steadiness transfers for 15 months
Intro Buy APR: 0% intro on purchases for 15 months
Common APR: 19.99% – 29.99% (Variable)
Steadiness Switch Charge: 3% for the primary 15 months; 4% at a promotional APR that Capital One might give you at every other time

Earn 5X miles on inns and rental vehicles booked by means of Capital One Journey, the place you’ll get Capital One’s greatest costs on hundreds of journey choices

1.25x

Earn limitless 1.25X miles on each buy, day-after-day.

CNET Score

Intro Provide

$900

Earn $900 bonus money again after you spend $6,000 on purchases within the first 3 months from account opening

Rewards Charge

1%
– 5%

Earn 5% money again on the primary $25,000 spent in mixed purchases at workplace provide shops and on web, cable and cellphone companies every account anniversary yr; Earn 2% money again on the primary $25,000 spent in mixed purchases at gasoline stations and eating places every account anniversary yr; Earn 1% money again on all different card purchases with no restrict to the quantity you’ll be able to earn

Rec. Credit score

670 – 850

Good – Wonderful

APR

18.49% – 24.49% Variable

The no-annual-fee Chase Ink Enterprise Money is without doubt one of the greatest enterprise bank cards. Along with its profitable rewards program, it options quite a few journey protections, together with auto rental collision harm waiver.

Protection is main when renting for enterprise functions, which makes it a cheap possibility for those who’re searching for rental protection. The cardboard can also be a good selection for those who journey for enterprise a couple of occasions a yr and need to earn a strong return in your bills. Its rewards and welcome bonus are its greatest options, but it surely provides a touch of journey due to its rental automotive insurance coverage, roadside help and journey and emergency help companies perks.

For extra particulars, see our full Chase Ink Enterprise Money assessment.

Intro Steadiness Switch APR: N/A
Intro Buy APR: 0% Intro APR on Purchases for 12 months
Common APR: 18.49% – 24.49% Variable
Steadiness Switch Charge: Both $5 or 5% of the quantity of every switch, whichever is bigger.

Earn 5% money again on the primary $25,000 spent in mixed purchases at workplace provide shops and on web, cable and cellphone companies every account anniversary yr

Earn 2% money again on the primary $25,000 spent in mixed purchases at gasoline stations and eating places every account anniversary yr

Earn 1% money again on all different card purchases with no restrict to the quantity you’ll be able to earn

For extra particulars, see our full Chase Ink Enterprise Money assessment.

Intro Steadiness Switch APR: N/A
Intro Buy APR: 0% Intro APR on Purchases for 12 months
Common APR: 18.49% – 24.49% Variable
Steadiness Switch Charge: Both $5 or 5% of the quantity of every switch, whichever is bigger.

Earn 5% money again on the primary $25,000 spent in mixed purchases at workplace provide shops and on web, cable and cellphone companies every account anniversary yr

Earn 2% money again on the primary $25,000 spent in mixed purchases at gasoline stations and eating places every account anniversary yr

Earn 1% money again on all different card purchases with no restrict to the quantity you’ll be able to earn

FAQs

One of the best total bank card for automotive leases is the Chase Sapphire Most well-liked. It has an inexpensive annual charge of $95 and has a excessive potential to be a really rewarding alternative. It options main rental automotive insurance coverage which means it’ll pay out earlier than your private insurance coverage and negating the necessity to file a declare along with your main automotive insurance coverage supplier. You need to use it for automotive leases by means of Chase’s journey portal, Chase Final Rewards, to earn 5x factors per greenback.

With the intention to qualify for a bank card’s rental automotive insurance coverage profit, you’ll have to say no any insurance coverage provide offered by the rental automotive company after which cost the complete quantity to your card. You’ll then be eligible for protection towards harm or theft, topic to your cardmember settlement.

You’ll, after all, need to abide by the rental issuer’s guidelines as nicely. Together with no driving on unpaved roads, and never utilizing the automotive for business use, amongst different issues. Different exclusions will be the kind of car or the nation you lease in.

Most rental automotive companies within the US require you to be at the least 25, however there are some exceptions. As long as you’re 21 you’ll be able to possible lease a automotive, although there could also be an underage driver charge.

For charges and costs of The Platinum Card from American Specific, click on right here

*Eligibility and Profit stage varies by Card. Phrases, situations, and Limitations Apply. Please go to americanexpress.com/benefitsguide for extra particulars. Underwritten by Amex Assurance Firm. Automotive Rental Loss or Harm Protection is obtainable by means of American Specific Journey Associated Companies Firm, Inc.

***All details about the Capital One VentureOne Rewards Credit score Card and Capital One Enterprise X Credit score Card has been collected independently by CNET and has not been reviewed by the issuer.

The editorial content material on this web page relies solely on goal, unbiased assessments by our writers and isn’t influenced by promoting or partnerships. It has not been offered or commissioned by any third occasion. Nevertheless, we might obtain compensation if you click on on hyperlinks to services or products provided by our companions.

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