Benefit comparison
Credit Cards with Primary Rental Car Insurance
Cards with primary rental car collision coverage — meaning your personal auto insurance is not involved at all when you pay with the card.
Compare the actual benefit terms, enrollment rules, and annual fee before deciding a card is worth adding for this perk alone.
Bank of America Platinum Plus Mastercard Business is the leading match among cards we track for rental car insurance. We found 7 cards total with this benefit — see the full list below.
Auto rental collision damage waiver
Primary coverage for theft and collision damage on eligible rental vehicles when you decline the rental company collision insurance and pay with the card.
Complimentary Emerald Club Executive status with National.
Hilton Honors Business Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply
Complimentary Emerald Club Executive status with National.
Primary auto rental collision damage waiver when you pay with card and decline agency coverage
Primary cardmembers may enroll through Aug. 31, 2028 for complimentary Avis President’s Club status.
- Which credit card has the best rental car insurance?
- See the cards listed above for the best rental car insurance options.
- Do all travel credit cards include rental car insurance?
- No — rental car insurance is typically a feature of mid-range and premium cards. We found 7 cards in our database that include this benefit. Budget and no-annual-fee cards rarely include it.
- Is rental car insurance worth the annual fee?
- Compare the benefit value against each card's annual fee using the list above.
- How often does rental car insurance update?
- Our database pulls rental car insurance data directly from card records and updates whenever card terms change. If you spot an outdated entry, the card's full detail page has the issuer link for the authoritative source.