Best Credit Cards for Rental Cars of December 2024
Updated: Nov 18, 2024
+ 2 more+ 2 more
Renting a car usually requires a credit card, and the card you use can make a big difference. It might mean you won't have to worry about insurance coverage on the car you rent, you might earn 5X or 10X rewards on the rental, and you might even be eligible for elite status with the rental car company. Whether you're renting for a vacation or just for getting around town, here are some of the best options.
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NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
Renting a car usually requires a credit card, and the card you use can make a big difference. It might mean you won't have to worry about insurance coverage on the car you rent, you might earn 5X or 10X rewards on the rental, and you might even be eligible for elite status with the rental car company. Whether you're renting for a vacation or just for getting around town, here are some of the best options.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards.
Their work has appeared in The Associated Press, USA Today,
The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America"
and many other national, regional and local media outlets.
Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
Show More
Renting a car usually requires a credit card, and the card you use can make a big difference. It might mean you won't have to worry about insurance coverage on the car you rent, you might earn 5X or 10X rewards on the rental, and you might even be eligible for elite status with the rental car company. Whether you're renting for a vacation or just for getting around town, here are some of the best options.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
Renting a car usually requires a credit card, and the card you use can make a big difference. It might mean you won't have to worry about insurance coverage on the car you rent, you might earn 5X or 10X rewards on the rental, and you might even be eligible for elite status with the rental car company. Whether you're renting for a vacation or just for getting around town, here are some of the best options.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
NerdWallet's Best Credit Cards for Rental Cars of December 2024
Chase Sapphire Preferred® Card: Best for General-purpose travel card
Chase Sapphire Reserve®: Best for Premium travel card — perks
Capital One Venture X Rewards Credit Card: Best for Premium travel card — value
United℠ Explorer Card: Best for Airline card — core benefits
United Club℠ Infinite Card: Best for Airline card — elite benefits
The Platinum Card® from American Express: Best for Elite status + much more
Ink Business Preferred® Credit Card: Best for Small business
Show SummaryHide Summary
Best Credit Cards for Rental Cars From Our Partners
| Credit card | NerdWallet rating | Annual fee | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
 Chase Sapphire Preferred® CardApply Now on Chase's website on Chase's website | Best for General-purpose travel card | $95 | 1x-5x | 60,000 points | Apply Now on Chase's website on Chase's website |
 United℠ Explorer CardApply Now on Chase's website on Chase's website | Best for Airline card — core benefits | $0 intro for the first year, then $95 | 1x-2x | 60,000 miles | Apply Now on Chase's website on Chase's website |
 United Club℠ Infinite CardApply Now on Chase's website on Chase's website | Best for Airline card — elite benefits | $525 | 1x-4x | 90,000 miles | Apply Now on Chase's website on Chase's website |
 Ink Business Preferred® Credit CardApply Now on Chase's website on Chase's website | Best for Small business | $95 | 1x-3x | 90,000 points | Apply Now on Chase's website on Chase's website |
 Chase Sapphire Reserve®Apply Now on Chase's website on Chase's website | Best for Premium travel card — perks | $550 | 1x-10x | 60,000 points | Apply Now on Chase's website on Chase's website |
 The Platinum Card® from American ExpressApply Now on American Express' website on American Express' website | Best for Elite status + much more | $695 | 1x-5x | 80,000 points | Apply Now on American Express' website on American Express' website |
 Capital One Venture X Rewards Credit CardApply Now on Capital One's website on Capital One's website | Best for Premium travel card — value | $395 | 2x-10x | 75,000 miles | Apply Now on Capital One's website on Capital One's website |
Find the right credit card for you.
Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.
Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.
General-purpose travel card
The Chase Sapphire Preferred® Card provides primary rental car coverage with reimbursement up to the cash value of most rental vehicles. Booking a car rental through Chase earns 5 points per dollar spent. You can also redeem points to book travel through Chase — including renting cars — and get 25% more value per point.
Our Take
You earn 5 points per $1 spent on all travel purchased through Chase (including rental cars); 3 points per dollar on dining, select streaming services, and online grocery purchases (not including Target, Walmart and wholesale clubs); 2 points per dollar on travel not purchased through Chase; and 1 point per dollar on other purchases. Points are worth 25% more — 1.25 cents apiece — when you redeem for travel booked through Chase, or you can transfer them to a dozen airline and hotel programs. Check the big sign-up bonus, too.
As a general-purpose travel card, the Chase Sapphire Preferred® Card doesn't offer airline- or hotel-specific benefits like free checked bags or room upgrades.
The Chase Sapphire Preferred® Card provides primary rental car coverage with reimbursement up to the cash value of most rental vehicles. Booking a car rental through Chase earns 5 points per dollar spent. You can also redeem points to book travel through Chase — including renting cars — and get 25% more value per point.
Airline card — core benefits
The United℠ Explorer Card offers an outstanding suite of benefits for a basic airline card, including primary rental car coverage that reimburses up to the cash value of most rental cars.
Product Details
- Limited-time Offer: Earn 60,000 bonus miles
- $0 introductory annual fee for the first year, then $95.
- 2x miles on United® purchases, dining, and hotel stays
- Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
- Free first checked bag - a savings of up to $160 per roundtrip. Terms Apply.
- Up to $120 Global Entry, TSA PreCheck® or NEXUS fee credit
- 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card
- Member FDIC
Our Take
In addition to primary rental car coverage, benefits include a free checked bag for you and a companion; priority boarding; two one-time passes to the United Club lounge each year; and reimbursement for the application fee for TSA PreCheck, Global Entry or NEXUS. You earn 2 miles per dollar spent with United, as well as on dining and direct hotel bookings, and 1 mile per dollar on other purchases.
Other cards provide a free checked bag for more people traveling on your reservation. As with any branded airline card, you're limited in how you can redeem your rewards.
The United℠ Explorer Card offers an outstanding suite of benefits for a basic airline card, including primary rental car coverage that reimburses up to the cash value of most rental cars.
Airline card — elite benefits
The signature benefit on the United Club℠ Infinite Card is membership in United Airlines' lounge network, but you also get primary rental coverage that reimburses up to the cash value of most rental cars.
Product Details
- Limited-time Offer: Earn 90,000 bonus miles
- 4x miles on United® purchases
- 2x miles on all other travel and dining
- 1x mile on all other purchases
- United Club℠ membership - up to $650 value per year
- Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and Premier Access® travel services
- Earn up to 10,000 Premier qualifying points per calendar year (25 PQP for every $500 you spend on purchases)
- Member FDIC
Our Take
A standalone United Club membership usually costs $650 a year, so you start out ahead with this card, even considering the annual fee. You and a companion can each get two free checked bags; other benefits include priority boarding and reimbursement for the application fee for TSA PreCheck, Global Entry or NEXUS. You earn 4 miles per dollar spent with United; 2 miles per dollar on all other travel and on dining; and 1 mile per dollar on other purchases.
Although it's a bargain compared with the sticker price of a United Club membership, the $525 annual fee can still sting.
The signature benefit on the United Club℠ Infinite Card is membership in United Airlines' lounge network, but you also get primary rental coverage that reimburses up to the cash value of most rental cars.
Small business
All of Chase's Ink-branded cards for business operators offer primary coverage on cars rented for business purposes. In addition to the Ink Business Preferred® Credit Card, coverage is available on the Ink Business Cash® Credit Card, the Ink Business Unlimited® Credit Card and the Ink Business Premier℠ Credit Card.
Product Details
- Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Travel℠
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Our Take
Sign-up bonuses on Ink-branded cards are among the best on the market — even for the no-annual-fee cash-back cards — and the points you earn with your spending can be extremely flexible, depending on which cards you carry. See individual card reviews for the specific rewards and perks of each card.
Rental car coverage applies only to rentals for business purposes.
All of Chase's Ink-branded cards for business operators offer primary coverage on cars rented for business purposes. In addition to the Ink Business Preferred® Credit Card, coverage is available on the Ink Business Cash® Credit Card, the Ink Business Unlimited® Credit Card and the Ink Business Premier℠ Credit Card.
Premium travel card — perks
The Chase Sapphire Reserve® takes the benefits of the Chase Sapphire Preferred® Card and kicks them up a notch. There's primary rental car coverage with reimbursement up to $75,000. Rental car bookings through Chase earn 10 points per dollar. Points are worth 50% more when redeemed for travel through Chase (including for booking rental cars). And cardholders are eligible for special benefits from Avis, National and Silvercar.
Product Details
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Member FDIC
Our Take
You get 10 points per dollar spent on Chase Dining purchases, as well as hotel stays and car rentals purchased through Chase; 5 points per dollar on air travel purchased through Chase; 3 points per dollar on travel and dining not booked with Chase; and 1 point per dollar on all other purchases. Points are worth 1.5 cents apiece when redeemed for travel booked through Chase, or you can transfer them to a dozen hotel and airline partners. You get $300 a year in credit for travel expenses, Priority Pass airport lounge access and reimbursement for the application fee for TSA PreCheck or Global Entry. And don't forget the big sign-up bonus.
The $550 annual fee is a significant upfront investment, although regular travelers can easily get that much value and more out of the card.
The Chase Sapphire Reserve® takes the benefits of the Chase Sapphire Preferred® Card and kicks them up a notch. There's primary rental car coverage with reimbursement up to $75,000. Rental car bookings through Chase earn 10 points per dollar. Points are worth 50% more when redeemed for travel through Chase (including for booking rental cars). And cardholders are eligible for special benefits from Avis, National and Silvercar.
Elite status + much more
Although it offers only secondary rental car coverage rather than primary (meaning you have to go through your own insurance company first), The Platinum Card® from American Express comes with a laundry list of perks and benefits that includes elite status at Avis, Hertz or National. (Terms apply.)
Product Details
- Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
- $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
- $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
- $200 Uber Cash: Platinum Card® Members can get out and about and explore their local area with $15 in Uber Cash for US rides each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings. Simply download the Uber app and add your Platinum Card® to your Uber account to get started. Available to Basic Card Member only. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
- $199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
- Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
- Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
- $695 annual fee.¤
- Terms Apply.
- View Rates & Fees
Our Take
Cardholders can receive a complimentary membership in Avis Preferred, Hertz Gold Plus Rewards and/or National Car Rental Emerald Club Executive, which entitles them to upgrades and discounts. Other benefits on the card include extensive airport lounge access; hundreds of dollars a year in available credits for travel, shopping and entertainment; elite status with Marriott and Hilton hotels; and much more. (See our review for a full rundown.) The card earns 5 points per dollar on select travel bookings and 1 point per dollar elsewhere. Terms apply.
The $695 annual fee is among the highest on any card from a major issuer. Although the perks are lavish, you might find that many of them go unused, while the rewards you earn on spending are pretty pedestrian for the price. And unlike with the other cards on this page, the rental car coverage is not primary.
Although it offers only secondary rental car coverage rather than primary (meaning you have to go through your own insurance company first), The Platinum Card® from American Express comes with a laundry list of perks and benefits that includes elite status at Avis, Hertz or National. (Terms apply.)
Premium travel card — value
For a relatively low price compared with other premium travel cards, the Capital One Venture X Rewards Credit Card has plenty to offer in rental car benefits. Benefits include auto rental collision damage waiver. Rental cars booked through Capital One Travel earn 10 miles per dollar. And cardholders are eligible for complimentary Hertz President’s Circle status.*
Product Details
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- View Rates & Fees
Our Take
You earn 2 miles per dollar on most purchases, but booking travel through Capital One earns 5X miles on flights and 10X on hotels and rental cars. Miles can be redeemed for any travel expense at a value of 1 cent apiece, or you can transfer them to partner programs. You get $300 a year in credit for bookings through Capital One Travel, a 10,000-mile bonus each account anniversary, airport lounge access, reimbursement for the application fee for TSA PreCheck or Global Entry, and a big sign-up bonus.
The $395 annual fee may be intimidating, although the credits and bonuses offered by this card quickly make up for it.
For a relatively low price compared with other premium travel cards, the Capital One Venture X Rewards Credit Card has plenty to offer in rental car benefits. Benefits include auto rental collision damage waiver. Rental cars booked through Capital One Travel earn 10 miles per dollar. And cardholders are eligible for complimentary Hertz President’s Circle status.*
FULL LIST OF EDITORIAL PICKS: BEST CREDIT CARDS FOR RENTAL CARS
Before applying, confirm details on issuer's website.
Chase Sapphire Preferred® Card
Our pick for: General-purpose travel card
For a reasonable annual fee, the Chase Sapphire Preferred® Card earns bonus rewards (up to 5X) on travel, dining, select streaming services, and select online grocery purchases. Points are worth 25% more when you redeem them for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. The sign-up bonus is stellar, too. Read our review.
Chase Sapphire Reserve®
Our pick for: Premium travel card — perks
The high annual fee on the Chase Sapphire Reserve® gives many potential applicants pause, but frequent travelers should be able to wring enough value out of this card to more than make up for the cost. Cardholders get bonus rewards (up to 10X) on dining and travel, a fat bonus offer, annual travel credits, airport lounge access, and a 50% boost in point value when redeeming points for travel booked through Chase. Points can also be transferred to about a dozen airline and hotel partners. Read our review.
Capital One Venture X Rewards Credit Card
Our pick for: Premium travel card — value
Capital One's premium travel credit card can deliver terrific benefits — provided you're willing to do your travel spending through the issuer's online booking portal. That's where you'll earn the highest rewards rates plus credits that can make back the bulk of your annual fee (see rates and fees). Read our review.
United℠ Explorer Card
Our pick for: Airline card — core benefits
The United℠ Explorer Card earns bonus rewards not only on spending with United Airlines but also at restaurants and on eligible hotel stays. And the perks are outstanding for a basic airline card — a free checked bag, priority boarding, lounge passes and more. Read our review.
United Club℠ Infinite Card
Our pick for: Airline card — elite benefits
The signature benefit on the United Club℠ Infinite Card is membership in United Airlines' lounge network, but you also get two free checked bags apiece for you and a companion, plus other benefits to make travel more enjoyable. Read our review.
The Platinum Card® from American Express
Our pick for: Elite status + much more
The Platinum Card® from American Express comes with a hefty annual fee, but travelers who like to go in style (and aren't afraid to pay for comfort) can more than get their money's worth. Enjoy extensive airport lounge access, hundreds of dollars a year in travel and shopping credits, hotel benefits and more. That's not even getting into the high rewards rate on eligible travel purchases and the rich welcome offer for new cardholders. Read our review.
Chase's Ink cards
Our picks for: Small business
Ink Business Preferred® Credit Card. Read our review.
Ink Business Premier® Credit Card. Read our review.
Ink Business Cash® Credit Card. Read our review.
Ink Business Unlimited® Credit Card. Read our review.
Chase Ultimate Rewards® are worth 1.25 cents on award travel bookings with the Ink Business Preferred® Credit Card, but you could transfer them between cards to get higher value. If you’ve got the Chase Sapphire Reserve®, you’ll want to transfer your points to that card to get the 1.5 cents redemption rate.
• • •
OTHER RESOURCES
How credit card rental car coverage works
The rental car coverage offered by credit cards isn't technically "insurance." The rental car agency already has insurance on its vehicles. But if you crash a car you've rented, or if it gets stolen while you have it, the agency's insurance company will probably try to recover the cost from you.
When you rent a car, the agency typically offers to sell you a collision and damage waiver, or CDW, which people often just refer to as "insurance." If you pay for the CDW, then you're off the hook if the car gets damaged or stolen. Credit card rental car coverage essentially takes the place of the CDW offered by the agency.
To make use of your credit card's rental car coverage, use your card to book the reservation and pay for the rental, then decline the CDW when offered.
In fact, most people can decline the CDW when they rent a car, regardless of whether their credit card has any coverage. That's because most people's existing auto insurance already covers them when they are in a rented car. However, if you crash a rental car and have to go through your own insurance, you'll probably have to pay a deductible, and the claim could well cause your insurance premiums to increase. That's why it's so valuable to have a credit card with "primary" rental car coverage.
Don't automatically assume your credit card has rental car coverage. At one time, coverage was a common perk on cards from major issuers, but many cards have removed it. Check your card's benefits to be sure.
» LEARN MORE: Smart rental car alternatives you might not know about
Primary vs. secondary coverage
If you're relying on your credit card to provide coverage for a rental car, it's important to understand whether the coverage is "primary" or "secondary":
With primary coverage, your credit card covers the cost directly (up to the coverage limits in your card agreement). There's no deductible to pay and no need to go through your own insurance.
With secondary coverage, you start by going through your own insurance company, and then the credit card covers any remaining costs. Secondary coverage would reimburse your deductible, for example.
What your credit card doesn't cover
Rental car coverage from credit cards doesn't cover everything. Like the CDW, it applies only to damage or theft involving the rental vehicle. It doesn't cover damage to other property or injuries. Nor does it cover theft of personal belongings from inside the rental car.
Should you book a rental car with airline miles?
With airline credit cards, be cautious about redeeming your miles for rental cars because these types of redemptions don’t usually offer the best value when you compare them with booking award flights.
For example, NerdWallet values United miles at 1.2 cents each for award flight redemption. So, if the cash value of the car rental is less than the value of the miles it would take to get an award rental, you might want to pay in cash instead.
If you choose to book with cash, don’t forget to include your frequent flyer account to earn bonus miles for your car reservation.
• • •
NerdWallet's Gregory Karp and Meghan Coyle contributed to this article.
To view rates and fees of The Platinum Card® from American Express, see this page.
Disclaimers from Capital One
Hertz President's Club status: Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at that status level through the duration of the offer. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Insurance Benefit: Car Rental Loss & Damage Insurance
Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
Please visit americanexpress.com/benefitsguide for more details.
Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
Last updated on November 18, 2024
Methodology
NerdWallet's credit cards team selects the best credit cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen as among the "best" in multiple categories. Learn how NerdWallet rates credit cards.
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