List of Chase Credit Cards That Offer Rental Car Insurance [2024]

Updated: March 21, 2024, 1:48pm CDT

Edited by:

List of Chase Credit Cards That Offer Rental Car Insurance [2024]

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Rental car insurance is a confusing topic — some might even say it is more confusing than regular car insurance. From figuring out whether or not your credit card even offers coverage to finding out what type of coverage is provided to a long list of exclusions of things that aren’t covered, it is enough to make anyone’s head spin.

But we’ve got you covered! If you’re someone who occasionally rents a car and you want a Chase credit card that offers rental car insurance, then you’ve come to the right place.

This guide provides a breakdown of how rental car insurance with Chase works, which cards offer coverage, and the type of coverage that those cards provide.

How Chase Rental Car Insurance Works

When you rent a car and pay for the rental with an eligible Chase credit card, your rental car will be covered thanks to your credit card collision damage waiver (CDW). The CDW will help reimburse you for damages or a replacement if your rental car is involved in an accident or theft.

Why is this useful? If you hold a credit card that offers a CDW, you can confidently decline the rental car company’s policy, which almost always comes at an additional fee to you.

Primary Coverage vs. Secondary Coverage

There are 2 different types of rental car coverage, primary and secondary, and the difference between the 2 is quite important should your car be involved in an incident.

Primary coverage is applied first before any other insurance coverage you might have. On the other hand, secondary coverage is applied after your personal car insurance and potentially after any other type of travel-related insurance you have.

As you can see, the difference in coverage here is quite significant as when you use secondary coverage, you will be required to submit a claim with your personal car insurance provider first, potentially causing your premium to increase. Your secondary coverage will kick in to help cover any damage not covered by your personal policy.

Given that, we recommend that you pay for your rental car with a credit card that provides primary coverage to serve as the first line of defense and added peace of mind should anything go wrong.

It’s worth noting, though, that the following list of cards distinguishes between the cards that offer primary vs. secondary insurance in the U.S. If you’re renting a car abroad, the coverage offered by all of these cards will be considered primary.

Hot Tip: Don’t own a car and, by extension, have no car insurance policy? Secondary coverage can serve as primary coverage for you since you don’t have a personal policy that kicks in first.

Collision Damage Insurance vs. Liability Insurance

Two Men Talking After Minor Car Accident — If you accidentally damage your rental car, you want to make sure you have the right coverage. Image Credit: tommaso79 via Shutterstock

So if you have a credit card that offers primary coverage and a collision damage waiver, you’re good to go, right? Well, not entirely.

Your collision damage waiver is only going to cover any damage caused to your own vehicle. It will not cover any damage caused to other vehicles, property, or injuries to you and anyone else involved in the accident.

If you have a personal car insurance policy, it will likely cover these items, but make sure to review the details of your policy first. If you don’t have personal car insurance and want to ensure these exclusions are covered, then you could always purchase a supplemental liability insurance policy.

Chase Rental Car Insurance Exclusions

Exclusions to a rental car insurance policy can leave you holding the bill if you aren’t aware of them ahead of time. So while this is not an exhaustive list, here are some common exclusions that apply to Chase rental car insurance plans:

Expensive, exotic, and antique automobiles; vans designed to carry more than 9 people; vehicles that have an open cargo bed; trucks; motorcycles, mopeds, and motorbikes; limousines; and recreational vehicles
Expenses reimbursed under your personal auto insurance policy, your employer, or your employer’s insurance
Any obligation you assume under any other agreement
Injury of anyone or anything inside or outside of the vehicle
Leases and mini leases
Any violation of the auto rental agreement
Loss or theft of personal belongings
Number of days (many rental cars are only covered for reservations of 31 days or less)
Country exclusions (make sure where you’re traveling is covered under the policy)

Some of these exclusions might seem straightforward or obvious, and others less so, but it is crucial to make sure you know what the exclusions of your policy are so you don’t end up being responsible for more than you were planning for.

Full List of Chase Personal Credit Cards That Provide Rental Car Insurance

Person driving an Audi — Which Chase credit card will you choose for rental car insurance? Image Credit: Andraz Lazic via Unsplash

Curious which Chase credit cards offer rental car insurance, and whether or not that coverage is primary or secondary? We’ve got you covered with our complete list below.

Hot Tip: Chase credit cards aren’t your only option for rental car insurance — you can also check out our post on the best credit cards for car rental insurance coverage.

Summary of Coverage

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Primary	Secondary
Chase Sapphire Preferred^® Card Chase Sapphire Reserve^® United Club℠ Infinite Card United Quest℠ Card United℠ Explorer Card	Aeroplan^® Credit Card Chase Freedom Flex℠ Chase Freedom Unlimited^® Chase Slate Edge℠ IHG One Rewards Premier Credit Card United Gateway℠ Card

Aeroplan^® Credit Card

U.P. Rating

The Aeroplan card is a great option for Air Canada flyers looking to earn more points and receive automatic elite status.

Learn More(at Chase's secure site)

Aeroplan^® Credit Card

The Aeroplan card is a great option for Air Canada flyers looking to earn more points and receive automatic elite status.

Welcome OfferEarn 60,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening.
Earn 60,000 points

UP's Bonus Valuation*:
$900

Annual Fee

APR

21.74% - 28.74% Variable

Credit Recommended

Good to Excellent (670-850)

Flyers based in the U.S. may think they wouldn’t have a need for a card like the Aeroplan^® Credit Card, it might be much better suited for you than you think.

Not only does Air Canada offer fantastic award redemptions, but adding the card to your wallet makes the program even more rewarding by offering elite status, more points, travel coverage, and more. Let’s take a closer look and see why the Aeroplan card might make a lot of sense for you.

Pros

3x points per $1 on Air Canada purchases, at grocery stores, and dining at restaurants (including takeout and eligible delivery services)
500 bonus points for every $2,000 you spend in a calendar month (up to a maximum of 1,500 bonus points)
Receive Aeroplan 25K status for the remainder of the calendar year, plus the following calendar year, and continue to extend it beyond that by spending $15,000 on the card per calendar year
Free first checked bag for you and up to 8 traveling companions
Global Entry, TSA PreCheck, or NEXUS fee credit
Preferred pricing on award tickets
No foreign transaction fees

Cons

$95 annual fee
Does not earn transferable rewards

Earn 60,000 bonus points
Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
$95 Annual Fee
Redeem points for both international and domestic flights with the Aeroplan^® Credit Card.
Fly to another continent and travel the world with the Aeroplan^® Credit Card.
Earn 3X points for each dollar spent at grocery stores, on dining at restaurants, and Air Canada directly. Earn 1X point for each dollar spent on all other purchases.
500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month.
Member FDIC

Financial Snapshot

APR: 21.74% - 28.74% Variable
Foreign Transaction Fees: None

Card Categories

Rental Insurance Coverage: Secondary in the U.S., primary otherwise

Coverage Limit: Cash value of the rental vehicle

Annual Fee: $95

Card Earnings:

3x points on Air Canada purchases, at grocery stores, and dining at restaurants
1x points on all other purchases
500 bonus points for every $2,000 you spend in a calendar month

Chase Freedom Flex℠

U.P. Rating

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

Chase Freedom Flex℠

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

Welcome OfferEarn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
$200

Annual Fee

APR

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.

Credit Recommended

Good to Excellent (670-850)

The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card.

The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.

Pros

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
No annual fee
Excellent cell phone insurance
Ability to pool points
Mastercard World Elite benefits

Cons

3% foreign transaction fees in U.S. dollars

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
5% cash back on travel purchased through Chase Ultimate Rewards^®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Member FDIC

Financial Snapshot

APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
Foreign Transaction Fees: None

Card Categories

Rewards Center

Chase Ultimate Rewards

Rental Insurance Coverage: Secondary in the U.S., primary otherwise

Coverage Limit: Cash value of the rental vehicle

Annual Fee: $0

Card Earnings:

5% cash-back on rotating quarterly bonus categories (up to $1,500 in purchases)
5% cash-back on travel purchased through Chase Travel
5% cash-back on Lyft purchases (through March 2025)
3% cash-back on dining and drugstore purchases
1% cash-back on all other purchases

Chase Freedom Unlimited^®

U.P. Rating

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Learn More(at Chase's secure site)

Chase Freedom Unlimited^®

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Welcome OfferEarn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
Up to $300 cash back

Annual Fee

APR

0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.

Credit Recommended

Good to Excellent (670-850)

The Chase Freedom Unlimited^® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

Pros

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
5% back on travel purchased through Chase Travel
3% back on dining and drugstore purchases
1.5% back on all other purchases
No annual fee
Earn big on travel purchased through Chase Travel
Everyday bonus on dining and drugstores
Straightforward cash-back on all other purchases
Ability to pool points

Cons

3% foreign transaction fee

INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited^® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Member FDIC

Financial Snapshot

APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Card Categories

Rewards Center

Chase Ultimate Rewards

Rental Insurance Coverage: Secondary in the U.S., primary otherwise

Coverage Limit: Cash value of the rental vehicle

Annual Fee: $0

Card Earnings:

5% cash-back on travel purchased through Chase Travel
3% cash-back on dining and drugstore purchases
5% cash-back on Lyft (through March 2025)
1.5% cash-back on all other purchases

Chase Sapphire Preferred^® Card

POPULAR FIRST CARD

Chase Sapphire Preferred^® Card

U.P. Rating

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

Learn More(at Chase's secure site)

Chase Sapphire Preferred^® Card

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

Welcome OfferEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
60,000 points

UP's Bonus Valuation*:
$1,200

Annual Fee

$95

APR

21.49%-28.49% Variable

Credit Recommended

Good to Excellent (670-850)

The Chase Sapphire Preferred^® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros

5x points on all travel booked via the Chase Travel portal
5x points on select Peloton purchases over $150 (through March 31, 2025)
5x points on Lyft purchases (through March 31, 2025)
3x points on dining purchases, online grocery purchases, and select streaming services
2x points on all other travel worldwide
$50 annual credit on hotel stays booked through the Chase Travel portal
6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
Excellent travel and car rental insurance
10% annual bonus points
No foreign transaction fees
1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt

Cons

$95 annual fee
No elite benefits like airport lounge access or hotel elite status

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
Enjoy beneﬁts such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
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, 2024.
Member FDIC

Financial Snapshot

APR: 21.49%-28.49% Variable
Foreign Transaction Fees: None

Card Categories

Rewards Center

Chase Ultimate Rewards

Rental Insurance Coverage: Primary

Coverage Limit: Cash value of the rental vehicle

Annual Fee: $95

Card Earnings:

5x points on all travel booked via Chase Travel
5x points on Lyft purchases (through March 2025)
3x points on dining purchases, online grocery purchases, and select streaming services
2x points on all other travel purchases
1x point on all other purchases

Chase Sapphire Reserve^®

U.P. Rating

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

Learn More(at Chase's secure site)

Chase Sapphire Reserve^®

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

Welcome OfferEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel.
60,000 points

UP's Bonus Valuation*:
$1,200

Annual Fee

$550

APR

22.49%-29.49% Variable

Credit Recommended

Excellent (740-850)

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve^® is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options. Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

Pros

10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
10x points on Lyft purchases March 31, 2025
10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
5x points on airfare booked through Chase Travel^SM
3x points on all other travel and dining purchases; 1x point on all other purchases
$300 annual travel credit
Priority Pass airport lounge access
TSA PreCheck, Global Entry, or NEXUS credit
Access to Chase Luxury Hotel and Resort Collection
Rental car elite status with National and Avis

Cons

$550 annual fee
Does not offer any sort of hotel elite status

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
$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.
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

Financial Snapshot

APR: 22.49%-29.49% Variable
Foreign Transaction Fees: None

Card Categories

Rewards Center

Chase Ultimate Rewards

Rental Insurance Coverage: Primary

Coverage Limit: $75,000

Annual Fee: $550

Card Earnings:

10x points on car rentals, hotels, and dining booked via Chase Travel
10x points on Lyft purchases (through March 2025)
5x points on air travel booked via Chase Travel
3x points on all other travel and dining purchases
1x points on all other purchases

Hot Tip: Learn how to maximize your Chase Sapphire Reserve card’s car rental insurance benefits in our detailed guide.

Chase Slate Edge℠

Chase Slate Edge℠ Credit Card

U.P. Rating

The Chase Slate Edge card is a great option for those looking to build their credit.

Learn More(at Chase's secure site)

Chase Slate Edge℠ Credit Card

The Chase Slate Edge card is a great option for those looking to build their credit.

Welcome Offer
None

Annual Fee

Credit Recommended

Good to Excellent (670-850)

Chase revamped the Chase Slate Edge℠ in 2021. It’s a no-annual-fee card designed for those looking to build their credit or those who need a low-interest APR card for a large purchase or balance transfer.

While the Chase Slate Edge card does not offer the opportunity to earn any rewards, it is a great option for those who are just beginning their credit journey, and the card still offers lucrative benefits that any cardholder would find value in.

Pros

No annual fee
Lower your interest rate by 2% each year
Raise your credit limit when you pay on time
Access to Chase Credit Journey to monitor your credit
Purchase protection
Extended warranty protection
Auto rental collision damage waiver

Cons

Does not earn any credit card rewards

Financial Snapshot

Foreign Transaction Fees:

Card Categories

Rental Insurance Coverage: Secondary in the U.S., primary otherwise

Coverage Limit: Cash value of the rental vehicle

Annual Fee: $0

IHG One Rewards Premier Credit Card

U.P. Rating

The perfect card for IHG fans, offering a free night every year, automatic Platinum Elite status, and your fourth night free on award stays.

Learn More(at Chase's secure site)

IHG One Rewards Premier Credit Card

The perfect card for IHG fans, offering a free night every year, automatic Platinum Elite status, and your fourth night free on award stays.

Welcome OfferEarn 140,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
140,000 points

UP's Bonus Valuation*:
$700

Annual Fee

$99

APR

21.49% - 28.49% Variable

Credit Recommended

Good to Excellent (670-850)

If you regularly visit IHG hotels throughout the year, then the IHG One Rewards Premier Credit Card is probably a perfect card to have in your wallet.

The IHG Premier card offers a great bundle of perks and benefits, including automatic Platinum elite status, an annual free night certificate, and travel protections.

Pros

Up to 26x points per $1 on IHG stays
5 points per $1 spent on purchases on travel, at gas stations, and restaurants
3x points per $1 on all other purchases
Automatic Platinum Elite status, and the ability to spend your way to Diamond Elite status
Free anniversary night certificate
Fourth-night free on award stays
20% off when buying IHG Rewards points
Up to $50 in United Airlines TravelBank Cash each year
Global Entry, TSA PreCheck, or NEXUS fee credit (up to $100 every four years)
Earn a $100 statement credit and 10,000 bonus points after spending $20,000 on the card in a calendar year
Trip cancellation/interruption insurance
Purchase protection
No foreign transaction fees

Cons

$99 annual fee
Does not earn transferable points

Earn 140,000 Bonus Points
Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG^® hotel stay.
Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts
Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
Automatic Platinum Elite status as long as you remain a Premier cardmember
Global Entry, TSA PreCheck^® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental^®, Crowne Plaza^®, Kimpton^®, EVEN^® Hotels, Indigo^® Hotels & Holiday Inn^®
Member FDIC

Financial Snapshot

APR: 21.49% - 28.49% Variable
Foreign Transaction Fees: None

Card Categories

Rental Insurance Coverage: Secondary in the U.S., primary otherwise

Coverage Limit: Cash value of the rental vehicle

Annual Fee: $99

Card Earnings:

Up to 26x points on IHG stays
5x points on travel, gas stations, and at restaurants
3x points on all other purchases

United Club℠ Infinite Card

U.P. Rating

Perfect for frequent United flyers who want premium perks like United Club access and free baggage benefits.

Learn More(at Chase's secure site)

United Club℠ Infinite Card

Perfect for frequent United flyers who want premium perks like United Club access and free baggage benefits.

Welcome OfferEarn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
Earn 80,000 bonus miles

UP's Bonus Valuation*:
$960

Annual Fee

$525

APR

21.99% - 28.99% Variable

Credit Recommended

Excellent (740-850)

The United Club℠ Infinite Card is a premium card designed for the most dedicated of United frequent flyers who are looking for a card that provides the opportunity to earn extra United MileagePlus miles and receive lounge access via a yearly United Club membership.

United frequent flyers will find that the United Club Infinite card provides an enhanced experience on their United flights thanks to the money saved on each flight and the conveniences it provides.

Pros

4x miles per $1 on United purchases
2x miles per $1 on travel and dining purchases
Complimentary United Club membership
Free first and second checked bag for you and 1 traveling companion
United Premier Access
25% back on United inflight purchases
Complimentary Premier Upgrades on United-operated award tickets (when available)
Expanded award availability
Up to 10,000 Premier Qualifying Points
$100 Global Entry/TSA PreCheck/NEXUS credit
Trip protections like trip delay insurance, lost and delayed luggage insurance, and rental car insurance
Shopping protections like return protection, purchase protection, and extended warranty protection
IHG One Rewards Platinum Elite status and a $75 annual credit
Avis President’s Club elite status
10% discount on United Economy Saver Awards within the continental U.S. and Canada

Cons

$525 annual fee
Does not earn transferable rewards

Earn 80,000 bonus miles after qualifying purchases
Earn 4 miles per $1 spent on United^® purchases
Earn 2 miles per $1 spent on all other travel and dining
Earn 1 mile per $1 spent on all other purchases
Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and Premier Access^® travel services
10% United Economy Saver Award discount within the continental U.S. and Canada
Earn up to 10,000 Premier qualifying points (25 PQP for every $500 you spend on purchases)
Member FDIC

Financial Snapshot

APR: 21.99% - 28.99% Variable
Foreign Transaction Fees: None

Card Categories

Rental Insurance Coverage: Primary

Coverage Limit: Cash value of the rental vehicle

Annual Fee:

Annual Fee: $525

Card Earnings:

4x miles on United purchases
2x miles on travel and dining purchases
1x miles on all other purchases

United Gateway℠ Card

U.P. Rating

The United Gateway card is a great option for those looking to earn more United miles without paying an annual fee.

Learn More(at Chase's secure site)

United Gateway℠ Card

The United Gateway card is a great option for those looking to earn more United miles without paying an annual fee.

Welcome OfferEarn 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, 0% intro APR for 12 months from account opening on purchases. Learn more.
20,000 miles

UP's Bonus Valuation*:
$240

Annual Fee

APR

0% Intro APR on Purchases for 12 months; after that, 21.99% - 28.99% Variable

Credit Recommended

Good to Excellent (670-850)

The United Gateway℠ Card is a great option for those looking to earn more United miles without wanting to pay a credit card annual fee. Plus, the card offers other solid benefits like a 25% back on United inflight purchases, purchase protection, and rental car insurance.

Pros

2x miles per $1 on United purchases
2x miles per $1 at gas stations and on local transit and commuting, including rideshare services, taxicabs, train tickets, tolls, and mass transit
1x mile per $1 on all other purchases
No annual fee
25% back on inflight purchases
No foreign transaction fees
Trip cancellation and trip interruption insurance
Rental car insurance
Purchase protection
Extended warranty coverage

Cons

If you are a frequent United flyer, other cards offer more perks
It does not earn transferable rewards

Earn 20,000 bonus miles
No annual fee
Earn 2 miles per $1 spent on United^® purchases, at gas stations and on local transit and commuting
Earn 2 miles per $1 spent on United^® purchases
Earn 2 miles per $1 spent at gas stations, on local transit and commuting
Earn 1 mile per $1 spent on all other purchases
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 Gateway Card
Member FDIC

Financial Snapshot

APR: 0% Intro APR on Purchases for 12 months; after that, 21.99% - 28.99% Variable
Foreign Transaction Fees: None

Card Categories

Rental Insurance Coverage: Secondary in the U.S., primary otherwise

Coverage Limit: Cash value of the rental vehicle

Annual Fee: $0

Card Earnings:

2x miles on United purchases, gas stations, and local transit purchases
1x miles on all other purchases

United Quest℠ Card

U.P. Rating

The United Quest card is a fantastic option for United flyers looking to earn more miles and enhance their flights.

Learn More(at Chase's secure site)

United Quest℠ Card

The United Quest card is a fantastic option for United flyers looking to earn more miles and enhance their flights.

Welcome OfferEarn 60,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.
60,000 miles

UP's Bonus Valuation*:
$720

Annual Fee

$250

APR

21.99% - 28.99% Variable

Credit Recommended

Good to Excellent (670-850)

The newest addition to United’s lineup of cards is the United Quest℠ Card. With it, you can bolster your United MileagePlus miles, thanks to the bonus categories, while enjoying the card’s many perks designed to help save you money on each United flight.

With an annual fee that falls between the United℠ Explorer Card and United Club℠ Infinite Card, the United Quest card makes for a fantastic card option for United frequent flyers.

Pros

3x miles per $1 on United purchases
2x miles per $1 spent on travel, dining, and select streaming services
$125 annual United credit
2 5,000-mile anniversary award flight credits
Free first and second checked bag for you and 1 traveling companion
Priority boarding
25% back on United inflight purchases
Complimentary Premier Upgrades on United-operated award tickets (when available)
Expanded award availability
Up to 3,000 Premier Qualifying Points
Up to $100 Global Entry/TSA PreCheck/NEXUS credit
Travel and shopping protections including trip delay insurance, lost/delayed luggage insurance, rental car insurance, purchase protection, and extended warranty protection

Cons

Does not earn transferable rewards
Does not offer airport lounge access
$250 annual fee

Earn 60,000 bonus miles and 500 PQP after qualifying purchases
Earn 3 miles per $1 spent on United^® purchases
Earn 2 miles per $1 spent on all other travel, dining and select streaming services
Earn 1 mile per $1 spent on all other purchases
Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and priority boarding
Up to a $125 United^® purchase credit and up to 10,000 miles in award flight credits each year (terms apply)
Earn up to 6,000 Premier qualifying points (25 PQP for every $500 you spend on purchases)
Member FDIC

Financial Snapshot

APR: 21.99% - 28.99% Variable
Foreign Transaction Fees: None

Card Categories

Rental Insurance Coverage: Primary

Coverage Limit: Cash value of the rental vehicle

Annual Fee: $250

Card Earnings:

3x miles on United purchases
2x miles on travel, dining, and select streaming services
1x miles on all other purchases

United℠ Explorer Card

U.P. Rating

With priority boarding privileges, no foreign transaction fees and more, MileagePlus members will definitely enjoy their partnered card.

Learn More(at Chase's secure site)

United℠ Explorer Card

With priority boarding privileges, no foreign transaction fees and more, MileagePlus members will definitely enjoy their partnered card.

Welcome OfferEarn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
50,000 bonus miles

UP's Bonus Valuation*:
$600

Annual Fee

$0 introductory annual fee for the first year, then $95

APR

21.99% - 28.99% Variable

Credit Recommended

Good to Excellent (670-850)

You travel United all the time, but you have heard that there could be ways to make your travel experiences even better, including priority boarding, free bags, and more miles.

You should consider the United℠ Explorer Card, because this card does all that and more!

Pros

2x miles per $1 on United purchases, dining purchases (including delivery services), and hotel stays
1x mile per $1 on all other purchases
First checked bag free for you and up to 1 traveling companion
25% statement credit on United inflight purchases
Priority boarding
Global Entry, TSA PreCheck, or NEXUS statement credit
2 United Club 1-time passes each year
Premier upgrades on award tickets
Travel and purchase protections

Cons

$0 intro annual fee for the first year, then $95 annual fee
Does not earn transferable rewards

Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
$0 introductory annual fee for the first year, then $95.
Earn 2 miles per $1 spent on dining, hotel stays, and United^® purchases
Up to $100 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
Free first checked bag - a savings of up to $140 per roundtrip. Terms Apply.
Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
Member FDIC

Financial Snapshot

APR: 21.99% - 28.99% Variable
Foreign Transaction Fees: None

Card Categories

Rewards Center

United MileagePlus Frequent Flyer Program

Rental Insurance Coverage: Primary

Coverage Limit: Cash value of the rental vehicle

Annual Fee: $0 intro annual fee for the first year, then $95

Card Earnings:

2x miles on United purchases, dining, and hotel purchases
1x mile on all other purchases

Full List of Chase Business Credit Cards That Provide Rental Car Insurance

Man driving car in suit with female passenger on phone — Image Credit: ASDF via Adobe Stock

Business cards will typically have primary rental car coverage when renting primarily for business purposes or for personal use when renting a vehicle outside of the U.S. If you rent for personal use within the U.S., you will have secondary coverage.

IHG One Rewards Premier Business Card

LIMITED TIME OFFER!

IHG One Rewards Premier Business Credit Card

U.P. Rating

The IHG Premier Business card is the perfect option for business travelers who regularly stay at IHG hotels.

Learn More(at Chase's secure site)

IHG One Rewards Premier Business Credit Card

The IHG Premier Business card is the perfect option for business travelers who regularly stay at IHG hotels.

Welcome OfferLimited Time Offer! Earn up to 175,000 Bonus Points. Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening. Plus, earn 35,000 Bonus Points after spending a total of $7,000 in the first 6 months from account opening.
175,000 Bonus Points

UP's Bonus Valuation*:
$875

Annual Fee

$99

APR

21.49% - 28.49% Variable

Credit Recommended

Good to Excellent Credit Recommended (670-850)

IHG Rewards and Chase have teamed up to offer the IHG One Rewards Premier Business Card, a compelling option for those who travel often for their business and stay at IHG hotels.

In this review, we will cover all of the benefits of the card, including earning rates, perks, fees, and more to help you determine whether the card is a good fit for your travel goals.

Pros

Up to 26x total points per $1 spent on IHG Hotels and Resorts
5x points per $1 spent on travel, at gas stations, select advertising, and restaurants
3x points per $1 spent on all other purchases
Automatic IHG Platinum Elite status, plus the ability to spend your way to Diamond Elite status
Fourth night free on award stays
Free anniversary night certificate, plus the ability to earn a second free night after spending $40,000 on the card in a calendar year
Up to $50 United Airlines TravelBank Cash each year
Global Entry, TSA PreCheck, or NEXUS statement credit
Trip cancellation/interruption insurance
Purchase protection
20% discount on IHG point purchases

Cons

$99 annual fee
Does not earn transferable rewards

Limited Time offer! Earn up to 175,000 Bonus Points. Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening. Plus, earn 35,000 Bonus Points after spending a total of $7,000 in the first 6 months from account opening.
Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG^® hotel stay.
Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
Automatic Platinum Elite status as long as you remain a Premier Business cardmember
Global Entry, TSA PreCheck^® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
IHG One Rewards Bonus points are redeemable at hotels such as InterContinental^®, Crowne Plaza^®, Kimpton^®, EVEN^® Hotels, Indigo^® Hotels & Holiday Inn^®
Member FDIC

Financial Snapshot

APR: 21.49% - 28.49% Variable
Foreign Transaction Fees: None

Card Categories

Rental Insurance Coverage: Primary when renting for business or outside of the U.S.; secondary coverage for personal rentals in the U.S.

Coverage Limit: Cash value of the rental vehicle

Annual Fee: $99

Card Earnings:

Up to 26x total points on IHG hotel stays
5x points on travel, gas stations, select advertising, and restaurants
3x points on all other purchases

Ink Business Cash^® Credit Card

U.P. Rating

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Learn More(at Chase's secure site)

Ink Business Cash^® Credit Card

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Welcome OfferEarn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Up to $750

UP's Bonus Valuation*:
Up to $750

Annual Fee

APR

0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.

Credit Recommended

Good to Excellent (670-850)

The Ink Business Cash^® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, you could be adding big value back into your business for no cost out of pocket.

Pros

Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
10% Business Relationship Bonus if you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
Travel insurance and purchase protection
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Employee cards at no additional cost
No annual fee

Cons

Spending caps in bonus categories
Low points earning outside of bonus categories
3% foreign transaction fees

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards^®.
0% introductory APR for 12 months on purchases
Member FDIC

Financial Snapshot

APR: 0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Card Categories

Rewards Center

Chase Ultimate Rewards

Rental Insurance Coverage: Primary when renting for business or outside of the U.S.; secondary coverage for personal rentals in the U.S.

Coverage Limit: Cash value of the rental vehicle

Annual Fee: $0

Card Earnings:

5% cash-back on purchases at office supply stores and on internet, cable, and phone services (up to $25,000 each year)
2% cash-back at gas stations and restaurants (up to $25,000 each year)
1% cash-back on all other purchases

Ink Business Premier^® Credit Card

U.P. Rating

Earn up to 5% cash-back for your business without complex bonus earning categories!

Learn More(at Chase's secure site)

Ink Business Premier^® Credit Card

Earn up to 5% cash-back for your business without complex bonus earning categories!

Welcome OfferEarn $1,000 bonus cash-back after you spend $10,000 on purchases in the first 3 months from account opening.
$1,000

Annual Fee

$195

APR

Flex for Business Variable APR: 19.49% - 27.49%

Credit Recommended

Good to Excellent (670-850)

Chase has introduced the Ink Business Premier^® Credit Card to its business credit card lineup. With straightforward cash-back earnings on everyday purchases and large expenses, tools to help you monitor your business, and multiple ways to redeem your rewards, this is a great card option to consider.

Pros

Earn 2.5% total cash-back on purchases of $5,000 or more
Earn 2% cash-back on all other business purchases
Unlimited 5% total cash-back on travel purchased through Chase Travel
No foreign transaction fees
Trip cancellation and trip interruption insurance
No additional cost for employee cards
Cell phone protection
Primary rental car coverage
Purchase protection
Extended warranty coverage

Cons

$195 annual fee
Some purchases need to be paid in full each month and don’t qualify for Flex for Business APR
Rewards cannot be pooled with Chase cards that offer access to transfer partners

Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
Member FDIC

Financial Snapshot

APR: Flex for Business Variable APR: 19.49% - 27.49%
Foreign Transaction Fees: None

Card Categories

Rental Insurance Coverage: Primary when renting for business or outside of the U.S.; secondary coverage for personal rentals in the U.S.

Coverage Limit: Cash value of the rental vehicle

Annual Fee: $95

Card Earnings:

5x points on Lyft purchases (through March 2025)
3x points on travel, shipping, internet, cable, and phone services, and advertising purchases made with social media sites and search engines
1x points on all other purchases

Ink Business Preferred^® Credit Card

NEW OFFER

Ink Business Preferred^® Credit Card

U.P. Rating

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Learn More(at Chase's secure site)

Ink Business Preferred^® Credit Card

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Welcome OfferEarn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel
100,000 points

UP's Bonus Valuation*:
$2,000

Annual Fee

$95

APR

21.24%-26.24% Variable

Credit Recommended

Good to Excellent (670-850)

The Ink Business Preferred^® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

Pros

3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
Cell phone protection
Purchase protection
Trip cancellation and interruption insurance
Rental car insurance
Extended warranty coverage

Cons

No elite travel benefits like airport lounge access

Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 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

Financial Snapshot

APR: 21.24%-26.24% Variable
Foreign Transaction Fees: None

Card Categories

Rewards Center

Chase Ultimate Rewards

Rental Insurance Coverage: Primary when renting for business or outside of the U.S.; secondary coverage for personal rentals in the U.S.

Coverage Limit: Cash value of the rental vehicle

Annual Fee:$195

Card Earnings:

5% cash-back on travel purchased through Chase Travel
2.5% cash-back on purchases of $5,000 or more
2% cash-back on all other business purchases

Ink Business Unlimited^® Credit Card

U.P. Rating

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Learn More(at Chase's secure site)

Ink Business Unlimited^® Credit Card

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Welcome OfferEarn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750

UP's Bonus Valuation*:
$750

Annual Fee

APR

0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter

Credit Recommended

Good to Excellent (670-850)

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited^® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter

Pros

1.5% cash-back on all purchases
No annual fee
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Employee cards at no additional cost
Earn flexible rewards

Cons

3% foreign transaction fee

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards^®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
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.
0% introductory APR for 12 months on purchases
Member FDIC

Financial Snapshot

APR: 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Card Categories

Rewards Center

Chase Ultimate Rewards

Rental Insurance Coverage: Primary when renting for business; secondary coverage for personal rentals

Coverage Limit: Cash value of the rental vehicle

Annual Fee: $0

Card Earnings:

1.5% cash-back on all purchases

United Club℠ Business Card

U.P. Rating

The United Club Business card is a great option for frequent United flyers looking for United Club access.

United Club℠ Business Card

The United Club Business card is a great option for frequent United flyers looking for United Club access.

Welcome OfferEarn 50,000 bonus miles + 1,000 Premier qualifying points (PQP) after $5,000 on purchases in the first 3 months your account is open.
50,000 miles

UP's Bonus Valuation*:
$900

Annual Fee

$450

APR

21.99%–28.99% Variable

Credit Recommended

Good to Excellent (670-850)

The United Club℠ Business Card is a premium card option for dedicated United loyalists seeking a card that offers complimentary United Club access, helps them earn and retain status, and doesn’t skip on the benefits.

From free checked bags to upgrades on award tickets and the ability to earn Premier qualifying points, there is plenty to the United Club Business card that United flyers are sure to love.

Pros

2x miles per $1 spent on United purchases
1.5x miles per $1 spent on all other purchases
Complimentary United Club membership
Free checked bags
Premier Access travel services
Discount on inflight purchases
Upgrades on award tickets
No foreign transaction fees
Employee cards at no additional cost
Travel and purchase protections

Cons

$450 annual fee
Earning rate for United purchases is poor compared to other United cards

Earn 50,000 bonus miles + 1,000 Premier qualifying points (PQP) after $5,000 on purchases in the first 3 months your account is open
Earn 2x miles on United purchases
Earn 1.5x miles on all other purchases
Employee cards at no additional cost
United Club membership — up to a $650 value per year. Relax in comfort while waiting for your flight with complimentary beverages, snacks, high-speed Wi-Fi, and more
Free first and second checked bags for you and a companion, save up to $320 per round-trip
25% back on United inflight purchases
No foreign transaction fees

Financial Snapshot

APR: 21.99%–28.99% Variable
Foreign Transaction Fees: $0

Card Categories

Rental Insurance Coverage: Primary when renting for business or outside of the U.S.; secondary coverage for personal rentals in the U.S.

Coverage Limit: Cash value of the rental vehicle

Annual Fee: $450

Card Earnings:

2x miles on United purchases
1.5x miles on all other purchases

United℠ Business Card

U.P. Rating

A business card from Chase for United loyalists with benefits such as free checked bags and discounts on inflight purchases.

Learn More(at Chase's secure site)

United℠ Business Card

A business card from Chase for United loyalists with benefits such as free checked bags and discounts on inflight purchases.

Welcome OfferEarn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
Earn 75,000 bonus miles

UP's Bonus Valuation*:
$900

Annual Fee

$0 introductory annual fee for the first year, then $99

APR

21.99% - 28.99% Variable

Credit Recommended

Good to Excellent Credit Recommended (670-850)

The United Business card is a compelling option for traveling business owners that are also frequent United flyers. Not only will the card help you earn more United miles, but it also offers great perks such as free checked bags, priority boarding, a discount on inflight purchases, and much more.

Pros

$0 introductory annual fee for the first year, then $99.
2x miles per $1 on United purchases
2x miles per $1 on dining
2x miles per $1 at gas stations and office supply stores, and on local transit and commuting
1x mile per $1 all other purchases
Free checked bag
2 United Club 1-time passes each year
25% back on United inflight purchases
Priority boarding
$100 United Annual Travel Credit after you make 7 United flight travel-related purchases, each totaling $100 or more, with your card
5,000 anniversary bonus miles when you have the United Business card and a personal United credit card
Employee cards at no added cost
Earn 25 PQPs towards United status for every $500 you spend on your United Business card (up to 1,000 PQP in a calendar year).
Travel and purchase protections

Cons

Doesn’t earn transferable rewards
Other United cards are more rewarding for United purchases

Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
$0 introductory annual fee for the first year, then $99.
Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United^® credit card.
Earn 2 miles per $1 spent on United^® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
$100 United^® travel credit after 7 United flight purchases of $100 or more each anniversary year.
Member FDIC

Financial Snapshot

APR: 21.99% - 28.99% Variable
Foreign Transaction Fees: None

Card Categories

Rental Insurance Coverage: Primary when renting for business or outside of the U.S.; secondary coverage for personal rentals in the U.S.

Coverage Limit: Cash value of the rental vehicle

Annual Fee: $0 introductory annual fee for the first year, then $99

Card Earnings:

2x miles on United purchases, dining, gas stations, office supply stores, and transit purchases
1x point on all other purchases

World of Hyatt Business Credit Card

NEW OFFER

World of Hyatt Business Credit Card

U.P. Rating

The World of Hyatt Business card provides a solid option for business travelers that are looking to put their expenses on a small business card.

Learn More(at Chase's secure site)

World of Hyatt Business Credit Card

The World of Hyatt Business card provides a solid option for business travelers that are looking to put their expenses on a small business card.

Welcome Offer60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
60,000 points

UP's Bonus Valuation*:
$1,200

Annual Fee

$199

APR

21.49% - 28.49% Variable

Credit Recommended

Good to Excellent (670-850)

Hyatt loyalists who do their fair share of business travel have been clamoring for the addition of a co-branded Hyatt business credit card for quite some time — and now it’s finally here.

The World of Hyatt Business Credit Card is now available. In this guide, we will walk you through everything you need to know about it!

Pros

9x points per $1 spent total for Hyatt stays and experiences: Earn 4x points at Hyatt hotels, participating Small Luxury Hotels of the World, participating Exhale locations, and eligible Lindblad Expeditions. Plus, 5x points spent just for being a World of Hyatt member.
2x points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter. Eligible categories include: Dining, Shipping, Airline tickets when purchased directly with the airline, Local transit & Commuting, Social Media & Search Engine Advertising, Car Rental Agencies, Gas stations and Internet, Cable & Phone Services.
2x points per $1 spent on fitness club and gym memberships.
1x point per $1 on all other purchases
Automatic World of Hyatt Discoverist status
Gift World of Hyatt Discoverist status to up to 5 employees
Up to $100 annual Hyatt credit — broken up into 2 $50 statement credits
Access to the Hyatt Leverage program
Earn 5 Elite Night Credits for every $10,000 you spend on the card in a calendar year
10% back on redeemed points after spending $50,000 in a calendar year (with a cap of 20,000 points back per year); this rebate is only valid on stays after spending $50,000 on the card, and any stays prior to meeting that threshold will not be retroactively credited
Primary rental car insurance
Trip cancellation and interruption insurance
Purchase protection and extended warranty protection

Cons

$199 annual fee
Bonus categories and benefits are very similar to the personal card

60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening
9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter.
2 Bonus Points per $1 spent on fitness club and gym memberships
1 Bonus Point per $1 spent on all other purchases.
Up to $100 in Hyatt statement credits - spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
Member FDIC

Financial Snapshot

APR: 21.49% - 28.49% Variable
Foreign Transaction Fees: None

Card Categories

Rewards Center

World of Hyatt

Rental Insurance Coverage: Primary when renting for business or outside of the U.S.; secondary coverage for personal rentals in the U.S.

Coverage Limit: Cash value of the rental vehicle

Annual Fee:$199

Card Earnings:

Up to 9x points on Hyatt stays
2x points at fitness clubs and on gym memberships
2x points on the 3 eligible categories you spend the most on in each calendar quarter through December 31, 2024 (then it drops to your top 2 categories)
1x points on all other purchases

Final Thoughts

When you’re considering adding a new credit card to your wallet, it is easy to focus on the glamorous items like how many points you will earn, how you’ll spend those points, and what sort of neat perks the card offers. But you’d be wise to also consider what kind of protections and insurance the card offers because doing so could save you hundreds or thousands of dollars if things go wrong during your travels.

So if you use rental cars with any frequency, it pays to hold credit cards that cover car rental insurance.

The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Chase Slate Edge℠ Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the United Club℠ Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Featured Image Credit: MilanMarkovic78 via Shutterstock

Frequently Asked Questions

Does Chase cover rental car insurance?

Yes, there are many Chase credit cards that offer rental car insurance. Our 2 top options are the Chase Sapphire Reserve card and the Chase Sapphire Preferred card.

How does Chase rental car insurance work?

If you have an eligible Chase card that offers rental car insurance and you use it to pay for your rental vehicle, it will help cover you in the event of any damages or theft to the vehicle.

In order to receive this coverage, you must reserve and charge the rental car with your eligible Chase card and refuse the car rental company’s CDW coverage.

What is the difference between primary and secondary rental coverage?

A card that offers primary coverage kicks in prior to you needing to file a claim with any other insurance providers you have, including your personal auto insurance.

Secondary coverage requires you to submit a claim with your other insurance providers first, and will only kick in to help cover items that have not already been covered by those other insurance providers.

So, in almost all instances, you would be better off using a credit card that provides primary coverage for your rental car.

Do I have to pay for the car rental with my credit card to receive the rental insurance?

Yes, you must pay for your rental car with your eligible credit card and decline the insurance policy from the rental company.

Which Chase credit cards have rental car insurance?

The following Chase credit cards offer primary rental car insurance:

Chase Sapphire Reserve card
Chase Sapphire Preferred card
Ink Business Cash card
Ink Business Preferred card
Ink Business Premier card
Ink Business Unlimited card
United Business card
United Club Business card
United Club Infinite card
United Explorer card
United Quest card
World of Hyatt Business card

The following Chase credit cards offer secondary rental car insurance:

Chase Slate Edge card
Freedom Flex card
Freedom Unlimited card
United Gateway card
Aeroplan card
IHG Premier card
IHG Premier Business card

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About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

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