List of Chase Credit Cards That Offer Rental Car Insurance [2021]
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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 offered, 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 rental 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 the ins and outs of how rental car insurance with Chase works, which cards offer coverage, and the type of coverage that those cards offer.
Table of contents
Table of Contents
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 policy offered to you by the rental car company, which almost always comes at an additional fee to you.
Primary Coverage vs. Secondary Coverage
There are 2 separate 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. Secondary coverage, on the other hand, 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 large 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 opt to 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.
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
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 is likely that it will 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 make sure 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 straight forward 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 Credit Cards That Cover Rental Car Insurance
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 full 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.
Chase Personal Cards
Chase Sapphire Reserve® Card
| Credit Card | Key Benefits & Info |
|---|---|
Chase Sapphire Reserve® Apply Now (at Chase's secure site) |
Must Reads: For more on the Chase Sapphire Reserve, see our thoughts on its benefits, global airport lounge access, and travel insurance protection. Take a look here for our full review. |
Rental Insurance Coverage: Primary
Coverage Limit: $75,000
Annual Fee: $550
Card Earnings:
- 3x points per dollar on travel and dining purchases
- 10x points per dollar on Lyft purchases
- 1x point per dollar 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 Sapphire Preferred® Card
| Credit Card | Benefits & Info |
|---|---|
Chase Sapphire Preferred® Card Apply Now (at Chase's secure site) |
Must Reads: For more info on the Chase Sapphire Preferred, see our thoughts on its benefits, travel insurance coverage, and credit score requirements. Take a look at our full review to see why it's one of our favorite Chase credit cards. |
Rental Insurance Coverage: Primary
Coverage Limit: Cash value of the rental vehicle
Annual Fee: $95
Card Earnings:
- 2x points per dollar on travel and dining purchases
- 5x points per dollar on Lyft purchases
- 1x point per dollar on all other purchases
Chase Freedom Unlimited® Card
| Credit Card | Benefits & Info |
|---|---|
Chase Freedom Unlimited® Learn More (at Chase's secure site) |
Must Reads: For more info on the Chase Freedom Unlimited, see our thoughts on its benefits and our full review. |
Rental Insurance Coverage: Secondary
Coverage Limit: Cash value of the rental vehicle
Annual Fee: $0
Card Earnings:
- 5x points per dollar on travel purchased through the Chase Ultimate Rewards travel portal
- 3x points per dollar on dining and drugstore purchases
- 1.5x points per dollar on all other purchases
Chase Freedom Flex℠ Card
| Credit Card | Benefits & Info |
|---|---|
Chase Freedom Flex℠ Credit Card  Learn More (at Chase's secure site) |
|
Rental Insurance Coverage: Secondary
Coverage Limit: Cash value of the rental vehicle
Annual Fee: $0
Card Earnings:
- 5x points per dollar on rotating quarterly bonus categories (up to $1,500 in purchases)
- 5x points per dollar on travel purchased through Chase Ultimate Rewards
- 3x points per dollar on dining and drugstore purchases
- 1x point per dollar on all other purchases
United Club℠ Infinite Card
Rental Insurance Coverage: Primary
Coverage Limit: Cash value of the rental vehicle
Annual Fee: $525
Card Earnings:
- 4x miles per dollar on United purchases
- 2x miles per dollar on travel and dining purchases
- 1x mile per dollar on all other purchases
United℠ Explorer Card
| CREDIT CARD | BENEFITS & INFO |
|---|---|
UnitedSM Explorer Card Apply Now (at Chase's secure site) |
|
Rental Insurance Coverage: Primary
Coverage Limit: Cash value of the rental vehicle
Annual Fee: $95
Card Earnings:
- 2x miles per dollar on United purchases
- 2x miles per dollar on dining and hotel purchases
- 1x mile per dollar on all other purchases
United Gateway℠ Card
Rental Insurance Coverage: Secondary
Coverage Limit: Cash value of the rental vehicle
Annual Fee: $0
Card Earnings:
- 2x miles per dollar on United purchases
- 2x miles per dollar on gas stations and local transit purchases
- 1x mile per dollar on all other purchases
Chase Business Cards
Ink Business Preferred® Credit Card
| Credit Card | Key Benefits & Info |
|---|---|
Ink Business Preferred® Credit Card Apply Now (at Chase's secure site) |
Must Reads: For more info on the Ink Business Preferred, see our guides on its benefits, 7 things to do as a new cardholder, and our full review. This is our favorite of Chase's business credit cards. |
Rental Insurance Coverage: Primary
Coverage Limit: Cash value of the rental vehicle
Annual Fee: $95
Card Earnings:
- 3x points per dollar on travel, shipping, internet, cable, and phone services, and advertising purchases made with social media sites and search engines
- 1x point per dollar on all other purchases
Ink Business Unlimited® Credit Card
| Credit Card | Benefits & Info |
|---|---|
Ink Business Unlimited® Credit Card  Apply Now (at Chase's secure site) |
Must Reads: For more info on the Ink Business Unlimited, see our guide on its benefits and our full review. This is one of several Chase business credit cards. |
Rental Insurance Coverage: Primary
Coverage Limit: Cash value of the rental vehicle
Annual Fee: $0
Card Earnings:
- 1.5x points per dollar on all purchases
Ink Business Cash® Credit Card
| CREDIT CARD | BENEFITS & INFO |
|---|---|
Ink Business Cash® Credit Card  Apply Now (at Chase's secure site) |
Must Reads: For more info on the Chase Ink Cash Card, see our guide on its benefits and our full review. This is one of several Chase business credit cards. |
Rental Insurance Coverage: Primary
Coverage Limit: Cash value of the rental vehicle
Annual Fee: $0
Card Earnings:
- 5x points per dollar on purchases at office supply stores and on internet, cable, and phone services (up to $25,000 each year)
- 2x points per dollar at gas stations and restaurants (up to $25,000 each year)
- 1x point per dollar on all other purchases
United℠ Business Card
Rental Insurance Coverage: Primary
Coverage Limit: Cash value of the rental vehicle
Annual Fee: $99
Card Earnings:
- 2x miles per dollar on United purchases
- 2x miles per dollar on dining, gas stations, office supply stores, and transit purchases
- 1x point per dollar on all other purchases
United Club℠ Business Card
Rental Insurance Coverage: Primary
Coverage Limit: Cash value of the rental vehicle
Annual Fee: $450
Card Earnings:
- 2x miles per dollar on United purchases
- 1.5x miles per dollar 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 near perks that the card offers. But you’d be wise to also consider what sort of protections and insurance the card offers, as well, because doing so could end up saving you hundreds or thousands of dollars in the event that things go wrong during your travels.
So if you use rental cars with any sort of frequency, it pays to hold a credit card that offers great rental car insurance coverage.
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