When it comes to renting a car, having the right insurance coverage is crucial for your peace of mind. While many rental car companies offer their own insurance options, using a credit card that provides rental car insurance can be a smart choice. In this article, we will explore some of the best credit cards for rental car insurance in 2024, helping you make an informed decision for your next car rental.
1. Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card is a popular choice for travelers, and it also offers excellent rental car insurance coverage. When you use this card to pay for your car rental, you can be eligible for primary coverage against theft and damage. This means that you won’t have to file a claim with your personal auto insurance policy in case of an incident.
In addition to rental car insurance, the Chase Sapphire Preferred® Card offers other travel benefits, such as trip cancellation/interruption insurance, baggage delay insurance, and more. It’s a great option for frequent travelers who want comprehensive coverage.
2. American Express® Gold Card
The American Express® Gold Card is another credit card that provides rental car insurance coverage. When you use this card to pay for your car rental, you can be eligible for secondary coverage against theft and damage. Secondary coverage means that you need to file a claim with your personal auto insurance policy first, and then the credit card coverage will kick in.
While the American Express® Gold Card offers secondary coverage, it also provides additional travel benefits like trip delay insurance, baggage insurance, and access to the Global Assist® Hotline. If you’re a frequent traveler who values these perks, this card could be a great fit for you.
3. Discover it® Cash Back
The Discover it® Cash Back credit card is known for its cashback rewards, but it also offers rental car insurance coverage. When you pay for your car rental with this card, you can be eligible for secondary coverage against theft and damage.
One unique feature of the Discover it® Cash Back card is its Cashback Match™ program, where Discover will match all the cashback rewards you’ve earned at the end of your first year. This can be a great way to maximize your rewards while enjoying rental car insurance coverage.
4. Citi Premier® Card
The Citi Premier® Card is a versatile credit card that offers a range of benefits, including rental car insurance coverage. When you use this card to pay for your car rental, you can be eligible for secondary coverage against theft and damage.
Additionally, the Citi Premier® Card provides other travel perks like trip cancellation/interruption insurance, baggage delay protection, and access to the Citi® Concierge service. If you’re looking for a credit card that offers comprehensive travel benefits along with rental car insurance, this card is worth considering.
5. Capital One® Venture® Rewards Credit Card
The Capital One® Venture® Rewards Credit Card is a popular choice for travelers due to its flexible rewards program. This card also offers rental car insurance coverage when you use it to pay for your car rental. The coverage is secondary, meaning you need to file a claim with your personal auto insurance policy first.
In addition to rental car insurance, the Capital One® Venture® Rewards Credit Card provides other travel benefits like travel accident insurance, 24-hour travel assistance services, and more. If you’re looking for a card that offers travel perks and rental car insurance, this card could be a suitable option.
Conclusion
When renting a car, having the right insurance coverage is essential. By using a credit card that provides rental car insurance, you can have peace of mind knowing that you’re protected against theft and damage. The Chase Sapphire Preferred® Card, American Express® Gold Card, Discover it® Cash Back, Citi Premier® Card, and Capital One® Venture® Rewards Credit Card are all excellent options to consider in 2024.
Remember to carefully review the terms and conditions of each credit card’s rental car insurance coverage to understand the specific details and requirements. Safe travels!