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Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, deta...
A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little ca...
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You have to hand it to Capital One — the card issuer is consistent at keeping things simple. You won’t find a lot of bells and whistles on most of the issuer’s cards, but you will find simplicity in the earnings structures, solid good-value redemption options, and enough travel and shopping benefits to add value to cardmembers holding 1 or more Capital One cards.
Today we’re focusing on 2 popular Capital One cards that have similarities when it comes to earning rewards and benefits, but when we look closely and compare the cards side by side, you may find a winner.
Join us as we look closely at the Capital One Venture Rewards Credit Card and Capital One Quicksilver Cash Rewards Credit Card to determine which might be the better card for you.
Capital One Venture Card vs. Quicksilver Card — Overview
While our featured cards are very similar, there are some earning level and benefit differences. Here’s a close-up of how the cards stack up against each other.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
75,000 miles
$1,350
$95
19.99% - 29.99% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent Credit (670-850)
The Capital One Venture Rewards Credit Cardis one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.
Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.
Pros
5x miles per $1 on hotels and rental cars booked through Capital One Travel
2x miles per $1 on all other purchases
2 complimentary visits to a Capital One Lounge or Plaza Premium Lounges each year
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
A flexible, no-frills card that earns 1.5% cash-back on all purchases. Redeem rewards for any amount anytime you choose with no annual fee.
A flexible, no-frills card that earns 1.5% cash-back on all purchases. Redeem rewards for any amount anytime you choose with no annual fee.
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.
$200
$0
19.99% - 29.99% (Variable),0% intro on purchases for 15 months
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Low maintenance, that’s your motto. When it comes to your credit cards, you don’t have the time or inclination to figure out which spending categories earn you the most cash-back.
A card that earns 1.5% cash-back for everything is more your speed.
That’s why you should consider the Capital One Quicksilver Cash Rewards Credit Card. You’ll never waste your time with changing categories, and there’s no limit to the cash-back you can earn.
Pros
Unlimited 1.5% cash-back on all purchases
No annual fee
Up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
No foreign transaction fees
Extended warranty coverage
Cons
Doesn’t offer bonus categories for those looking to maximize certain purchases
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
$0 annual fee and no foreign transaction fees
Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Financial Snapshot
APR: 19.99% - 29.99% (Variable),0% intro on purchases for 15 months
Welcome bonuses provide an immediate opportunity to jump-start your earnings when you’re first approved for your new card. While the amount of the welcome bonus can vary depending on the current card offer, you’ll be required to hit a minimum spending level within a specified period after card approval to qualify and receive the bonus.
Always check for the current offering before applying for any card and keep track of the date you were approved to be sure to complete the required spending before the deadline.
A 50,000-mile welcome bonus is generally worth $500. You may be able to leverage your miles by transferring these rewards to travel partners for greater potential value. We’ll talk about this option shortly.
Bottom Line: Welcome bonuses can provide a jump-start to your earnings. Each Capital One mile is generally worth 1 cent each, but you may be able to realize greater value, depending on your redemption choice, versus the fixed value of cash-back.
Earning Rewards
With either of our featured cards, you’ll find a simple earning structure that ensures you’ll earn rewards on every purchase you make. You won’t have to keep track of any specific bonus category earning, just use your card for every purchase, every day, and earn rewards.
5% cash-back on hotels and rental cars booked through Capital One Travel
1.5% cash-back on every purchase
The Capital One Venture card earns a higher level of rewards than the Quicksilver card, but it also charges an annual fee (rates & fees). If you’re spending $20,000 each year, you would earn $400 worth of Capital One miles (when conservatively valued at 1 cent each) on the Capital One Venture card or $300 in cash-back on the Quicksilver card. Taking into consideration the annual fee, you would be approximately $5 ahead on the Capital One Venture card after spending that amount.
However, by leveraging airline and hotel partners, you may be able to redeem Capital One Venture card miles for greater value than 1 cent each, making it the better card for travel redemptions.
Bottom Line: The Capital One Venture card has a higher earning level of 2 miles per dollar spent, but has an annual fee (rates & fees). You would need to spend $20,000 to come out ahead over the Quicksilver card that has no annual fee (rates & fees). However, the Capital One Venture card comes with a much higher welcome bonus, making it the better choice from an initial earnings perspective if you can meet the initial spending requirements to earn this bonus. Miles earned on the Capital One Venture card could also potentially be redeemed for greater value when transferred to travel partners.
Redeeming Rewards
Transfer Capital One miles to Aeromexico to book Delta One Suites. Image Credit: Delta
Each of our featured cards offers different redemption options. Here are the choices you’ll have for redeeming your Capital One miles earned on the Capital One Venture card and cash-back earned on the Quicksilver card:
Capital One Venture Card
Redeem for Travel
Transfer Miles to Travel Partners — Transferring Capital One miles to airline or hotel partners offers the best opportunity for greater value. After transferring the miles, you can redeem the airline frequent flyer miles or hotel points for flights and free hotel nights. For more information on receiving the best value with transfer partners, our informative article has some creative ideas.
Purchase Travel With Capital One Travel — Use your miles at the value of 1 cent each to redeem them for travel purchases via Capital One Travel.
Redeem for Shopping or Statement Credits
Redeem Capital One miles for gift cards, shop at Amazon, or redeem your rewards via PayPal. You may also use your miles for a statement credit for any purchase (not recommended). Values vary and can be less than 1 cent per mile.
Quicksilver Card
Cash-back is the most liquid form of rewards and is easy to redeem. You’ll receive the best value for your rewards when you request a check or a statement credit. However, you can also use your rewards (values vary) to shop at Amazon, redeem via PayPal, or purchase gift cards.
Bottom Line: The best potential value for your miles may be to transfer to travel partners and purchase airline award tickets or free hotel nights, though you can also redeem your miles for 1 cent each as a statement credit with Capital One Travel. While not the best value, miles can also be redeemed for gift cards and shopping. The Quicksilver card earns cash-back rewards that can be redeemed easily and for the best value in the form of a check or a statement credit.
Travel Benefits and Protections
Enjoy secondary car rental insurance coverage with both of our featured cards. Image Credit: PHTGRPHER_EVERYDAY via Shutterstock
Since travel benefits and protections are included at no extra charge, any value you receive is a plus. Here are some of the modest travel benefits and protections you can expect on the Capital One Venture card and the Quicksilver card:
Car Rental Insurance — Pay for the entire rental with your card, decline the rental agency’s collision damage waiver coverage, and receive secondary car rental coverage within your country of residence. If you do not have auto insurance or if it does not cover you outside of your country of residence, coverage can be primary. Additional terms and conditions apply.
Roadside Dispatch — Pay 1 low price ($69.95) for each service call which can include towing, jump-start, emergency fuel, lockout service, and tire changing. Terms apply.
No Foreign Transaction Fees — Both of our featured cards travel well with no foreign transaction fees charged on your purchases.
Here is a sampling of shopping benefits and protections you’ll find on our featured cards.
Extended Warranty — Receive an extension of 1 to 2 years beyond the manufacturer’s warranty for eligible items purchased with your card. The length of the extension will depend on whether your card is issued as a Mastercard or Visa.
Purchase Protection — Eligible items and purchases with your card will receive coverage for damage and theft for 120 days from the purchase date. Coverage limits include $250 per claim, up to 4 claims per 12-month period.
Capital One Offers — Log in to your account and click through Capital One Offers for cash-back on purchases at select retailers.
The Quicksilver card, when issued as a Mastercard, will also include price protection. Purchase an eligible item with your card, and if you find the item advertised for less within 120 days from the purchase date, you could receive up to $250 per claim, for up to 4 claims per 12-month period.
Bottom Line: Travel and shopping benefits and protections will depend on whether your card is issued as a Mastercard or Visa. The source for the actual list of applicable benefits and protections received and the terms and conditions will be the specific card’s Guide to Benefits.
Minimum Qualifications
Both of our featured cards recommend an excellent credit score (740 to 850). Capital One adds its own criteria to clarify that to qualify, an applicant “has never declared bankruptcy or defaulted on a loan, not been more than 60 days late on any credit card, loan, or medical bill in the last year, and has had a loan or credit card for 3 years or more with a credit limit above $5,000.”
Of course, the higher your score, the more likely you will be approved, but you can also find out in advance if you have card offers available to you. Potential card offers, including Capital One card offers, can be found by using the CardMatch tool. Using the tool is simple, risk-free, and no hard inquiry is done on your credit history. Enter some basic information and any offers waiting for you will be revealed.
Capital One does a great job of offering credit card options for nearly every consumer and all levels of credit history. Depending on your objectives and spending habits, you may want to consider additional cards that could also be a fit for your situation.
Here are a few recommendations for alternatives to our featured cards.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
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 Ultimate Rewards®.
60,000 points
$1,200
$95
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Chase Sapphire Preferred® card is one of the best travel rewards cardson 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 Ultimate Rewards portal
5x points on select Peloton purchases over $250 (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 Ultimate Rewards 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
Complimentary Spot Club Platinum status with The Parking Spot for 2 years, 20% off of your first reservation, and points for 1 free day of parking (enroll by October 26, 2023)
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 Ultimate Rewards®.
Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. 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.
You’ll also receive good value at redemption time, when points are worth 25% more when redeemed for travel via the Chase travel portal. Or, transfer to Chase travel partners for even greater potential value.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
SPECIAL OFFER: Unlimited Matched Cash Back. Chase will automatically match all the cash back you earned at the end of your first year! There is no limit to how much cash back you can earn.
Matched Cash Back
$0
0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
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 Ultimate Rewards
3% back on dining and drugstore purchases
1.5% back on all other purchases
No annual fee
Earn big on travel purchased through Chase Ultimate Rewards
Everyday bonus on dining and drugstores
Straightforward cash-back on all other purchases
Ability to pool points
Cons
3% foreign transaction fee
SPECIAL OFFER: Unlimited Matched Cash Back. Use your card for all your purchases and at the end of your first year, Chase will automatically match all the cash back you earned! There is no limit to how much you can earn. Every dollar in cash back rewards you earn is a dollar Chase will match.
Unlimited 1.5% cash back is just the beginning of what you can earn. You’ll enjoy 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, 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; and 1.5% cash back on all other purchases.
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 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!
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, real-time 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
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
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.
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.
Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
$200
$0
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
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.
If you’re looking for a no-annual-fee card that earns flexible rewards on every purchase you make, you’ll want to consider a card from Chase’s Freedom line. Either card partners well with Chase premium cards such as the Chase Sapphire Preferred card or Chase Sapphire Reserve® to deliver up to 50% more in value when redeeming transferred Ultimate Rewards points for travel.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months.
60,000 points
$1,320
$250
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points atU.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.
There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.
Pros
4x points per $1 at restaurants, plus takeout and delivery in the U.S.
4x points per $1 at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
3x points per $1 on flights purchased directly from airlines or at Amex Travel
Up to $120 annual dining credit: up to $10 monthly statement credit when you pay with the Amex Gold card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations
Up to $120 in annual Uber Cash: get $10 monthly in Uber Cash for Uber Eats orders or Uber rides in the U.S. when you add your Gold Card to your Uber account
Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
$120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
Choose the color that suits your style. Gold or Rose Gold.
We like the everyday earning potential of the Amex Gold card. And while the card does have a moderate annual fee, U.S. supermarket purchases alone can net 100,000 Membership Rewards points each year (up to $25,000 in purchases with 4x earnings; 1x thereafter), which would be worth $2,200, by our valuations.
The card functions quite nicely as an everyday earning card, but also offers 3x earnings on airfare purchased directly with the airline or through Amex Travel, as well as flexible redemption options for travel.
Bottom Line: The Capital One Venture card and Quicksilver card offer simplified flat-rate earnings on every purchase plus several options for redeeming your rewards for travel. But if you have excellent credit, you will have a lot of great additional choices for travel rewards cards.
Final Thoughts
While our 2 featured cards are similar, if you can accomplish the initial 1-year or 3-month minimum spending requirements, it may be worthwhile to secure the Capital One Venture card with its larger welcome bonus over the Quicksilver card. Check out this Capital One Venture 100k welcome offer to find out more.
However, on an ongoing basis, if you do not plan to spend more than $20,000 per year on the Capital One Venture card, the Quicksilver card could be a better choice for you.
Either card could serve you well, but if you have excellent credit, comparing travel rewards cards for the best fit makes sense.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of the American Express® Gold Card, click here.
Featured Image Credit: Upgraded Points
Frequently Asked Questions
Which card is better, the Capital One Venture card or the Quicksilver card?
The Capital One Venture card currently comes with a much higher welcome bonus than the Quicksilver card. If you are able to complete the required minimum spending amount needed after card approval, the Capital One Venture card will generate initial greater earnings than the Quicksilver card.
The Capital One Venture card charges a $95 annual fee (rates & fees) while the Quicksilver card has no annual fee (rates & fees).
Always check for the current offers before applying for any card, as offers do change periodically.
Do Capital One miles expire?
Capital One miles do not expire as long as your card account is active.
Can I purchase flights with Capital One miles?
Capital One miles are not frequent flyer miles. However, you can transfer these miles to airline partners and use those airline frequent flyer miles to purchase award tickets.
You can use Capital One miles to purchase travel at the rate of 1 cent in value for each mile via Capital One Travel.
Does the Quicksilver card come with rental car coverage?
The Quicksilver card comes with car rental insurance. The MasterRental coverage is applicable when you pay for your rental car in full with your eligible card and decline the rental agency’s collision damage waiver coverage.
You will receive secondary coverage in your country of residence, requiring you to first file a claim with any other applicable insurance prior to card coverage being applied.
If you have no car insurance or your insurance does not cover you out of the country, coverage for collision, loss of use, and limited towing will be primary.
Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
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