Cards with rental car insurance

Covers damage or theft of a rental car paid with the card — sometimes primary (before your own auto policy), usually secondary.

186 cards in our database include it — 104 with no annual fee. Popular cards first, then the rest by annual fee.

Coverage finder, not an insurance certificate. We normalize issuer wording so cards can be compared. Report incorrect data and confirm the current benefits guide before a claim.

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186 matching cards

  • Freedom Unlimited card artFreedom UnlimitedChaseNo annual fee

    Listed as “Auto Rental Collision Damage Waiver”

    Coverage details

    Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.

  • Prime Visa card artPrime VisaChaseNo annual fee

    Listed as “Auto Rental Collision Damage Waiver”

    Coverage details

    Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.

  • Sapphire Preferred card artSapphire PreferredChase$95/yr

    Listed as “Auto Rental Coverage”

    Coverage details

    Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.

  • American Express Gold Card card artAmerican Express Gold CardAmerican Express$325/yr

    Listed as “Car Rental Loss and Damage Insurance”

    Coverage details

    Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.

  • Venture X card artVenture XCapital One$395/yr

    Listed as “Auto rental collision coverage”

    Coverage details

    Get reimbursed for damage or theft when you pay for a rental car with the Venture X card.

  • Sapphire Reserve card artSapphire ReserveChase$795/yr

    Listed as “Auto Rental Collision Damage Waiver”

    Coverage details

    When you use your covered Visa card to rent a vehicle, you’ll get built-in Auto Rental Coverage. You can be covered for physical damage, theft, reasonable and customary towing and loss-of-use charges. Decline the Collision Damage Waiver coverage offered by the rental agency and make sure your name is listed as the primary renter on the auto rental contract.

  • The Platinum Card card artThe Platinum CardAmerican Express$895/yr

    Listed as “Car Rental Loss and Damage Insurance”

    Coverage details

    Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.

  • Abby Bank Visa® Business Cash Preferred card artAbby Bank Visa® Business Cash PreferredAbby BankNo annual fee

    Listed as “Auto Rental Collision Damage Waiver”

    Coverage details

    Auto Rental Collision Damage Waiver (ARCDW) provides primary insurance coverage for physical damage and theft, reasonable and customary towing, and valid loss-of-use charges and administrative fees when you reserve and pay for a rental car with your covered Visa Business card.

  • Abby Bank Visa® Business Company card artAbby Bank Visa® Business CompanyAbby BankNo annual fee

    Listed as “Auto Rental Collision Damage Waiver”

    Coverage details

    Auto Rental Collision Damage Waiver (ARCDW) provides primary insurance coverage for physical damage and theft, reasonable and customary towing, and valid loss-of-use charges and administrative fees when you reserve and pay for a rental car with your covered Visa Business card.

  • Abby Bank Visa® Business Real Rewards card artAbby Bank Visa® Business Real RewardsAbby BankNo annual fee

    Listed as “Auto Rental Collision Damage Waiver”

    Coverage details

    Auto Rental Collision Damage Waiver (ARCDW) provides primary insurance coverage for physical damage and theft, reasonable and customary towing, and valid loss-of-use charges and administrative fees when you reserve and pay for a rental car with your covered Visa Business card.

  • Abby Bank Visa® Business Zero+ card artAbby Bank Visa® Business Zero+Abby BankNo annual fee

    Listed as “Auto Rental Collision Damage Waiver”

    Coverage details

    Auto Rental Collision Damage Waiver (ARCDW) provides primary insurance coverage for physical damage and theft, reasonable and customary towing, and valid loss-of-use charges and administrative fees when you reserve and pay for a rental car with your covered Visa Business card.

  • Amazon Business card artAmazon BusinessAmerican ExpressNo annual fee

    Listed as “Car Rental Loss and Damage Insurance”

    Coverage details

    As a Card Member, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory when you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions.

  • Amazon Business Prime card artAmazon Business PrimeAmerican ExpressNo annual fee

    Listed as “Car Rental Loss and Damage Insurance”

    Coverage details

    As a Card Member, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory when you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions.

  • Amazon Rewards Visa Signature card artAmazon Rewards Visa SignatureChaseNo annual fee

    Listed as “Visa Signature Rental Car Privileges”

    Coverage details

    Up to 25% off base rates on qualifying rentals from Avis and Budget, plus complimentary upgrades and waived additional driver fee.

  • Amazon Visa card artAmazon VisaChaseNo annual fee

    Listed as “Auto Rental Collision Damage Waiver”

    Coverage details

    Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.

  • American Airlines Credit Union Visa Business Platinum card artAmerican Airlines Credit Union Visa Business PlatinumAmerican Airlines Federal Credit UnionNo annual fee

    Listed as “Auto rental collision insurance”

    Coverage details

    Use your Visa credit card to pay for your rental car, and get built-in Auto Rental coverage.

  • American Airlines Credit Union Visa Platinum Low Rate card artAmerican Airlines Credit Union Visa Platinum Low RateAmerican Airlines Federal Credit UnionNo annual fee

    Listed as “Auto rental collision insurance”

    Coverage details

    Use your Visa credit card to pay for your rental car, and get built-in Auto Rental coverage.

  • American Airlines Credit Union Visa Platinum Rewards card artAmerican Airlines Credit Union Visa Platinum RewardsAmerican Airlines Federal Credit UnionNo annual fee

    Listed as “Auto rental collision insurance”

    Coverage details

    Use your Visa credit card to pay for your rental car, and get built-in Auto Rental coverage.

  • American Airlines Credit Union Visa Platinum Secured card artAmerican Airlines Credit Union Visa Platinum SecuredAmerican Airlines Federal Credit UnionNo annual fee

    Listed as “Auto rental collision insurance”

    Coverage details

    Use your Visa credit card to pay for your rental car, and get built-in Auto Rental coverage.

  • American Airlines Credit Union Visa Platinum Starter card artAmerican Airlines Credit Union Visa Platinum StarterAmerican Airlines Federal Credit UnionNo annual fee

    Listed as “Auto Rental Collision”

    Coverage details

    Use your Visa credit card to pay for your rental car, and get built-in Auto Rental coverage.

  • American Airlines Credit Union Visa Signature Cash Back card artAmerican Airlines Credit Union Visa Signature Cash BackAmerican Airlines Federal Credit UnionNo annual fee

    Listed as “Auto rental collision insurance”

    Coverage details

    Use your Visa credit card to pay for your rental car, and get built-in Auto Rental coverage.

  • Amex EveryDay® card artAmex EveryDay®American ExpressNo annual fee

    Listed as “Car Rental Loss and Damage Insurance”

    Coverage details

    Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.

  • Bass Pro Shops and Cabela's CLUB Business Mastercard® card artBass Pro Shops and Cabela's CLUB Business Mastercard®Capital OneNo annual fee

    Listed as “Car Rental Insurance”

    Coverage details

    Reimbursement for covered physical damage and/or theft of a rental vehicle with primary protection: 1-800-MASTERCARD.9

  • Bilt Mastercard® card artBilt Mastercard®Wells FargoNo annual fee

    Listed as “Auto Rental Collision Damage Waiver”

    Coverage details

    Receive auto coverage for covered damages due to collision or theft for most rental cars when you pay for the rental transaction with the Bilt Mastercard.

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