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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

Aeroplan® Credit Card
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U.P. Rating 
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 Aeroplan card is a great option for Air Canada flyers looking to earn more points and receive automatic elite status.

Apply Now(at Chase's secure site)
The Aeroplan card is a great option for Air Canada flyers looking to earn more points and receive automatic elite status.
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months. Plus, 25,000 bonus points after you spend $20,000 on purchases in the first 12 months.
Up to 100,000 bonus points
$1,500
$95
20.99% - 27.99% 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 (670-850)
Why We Like This Card

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 & Cons
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
Cons
  • $95 annual fee
  • Does not earn transferable rewards
Card Highlights
  • Earn up to 100,000 bonus points
  • Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 25,000 bonus points after you spend $20,000 on purchases in the first 12 months.
  • $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: 20.99% - 27.99% Variable
  • Foreign Transaction Fees: None

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℠

Chase Freedom Flex®
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U.P. Rating 
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.

Apply Now(at Chase's secure site)
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
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%
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)
Why We Like This Card

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 & Cons
Pros
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
  • 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
Cons
    • 3% foreign transaction fees in U.S. dollars
Card Highlights
  • 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 Travel℠, 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 19.74%-28.49%.
  • 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 19.74% - 28.49%
  • Foreign Transaction Fees: None
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 31, 2025)
  • 3% cash-back on dining and drugstore purchases
  • 1% cash-back on all other purchases

Chase Freedom Unlimited®

INTRO OFFER
Chase Freedom Unlimited®
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U.P. Rating 
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!

Apply Now(at Chase's secure site)
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
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!
Up to $300 cash-back
$0
0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
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)
Why We Like This Card

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 & Cons
Pros
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
  • 5% back on travel purchased through Chase Travel℠
  • 3% back on dining and drugstore purchases
Cons
    • 3% foreign transaction fee
Card Highlights
  • 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 19.74% - 28.49%.
  • 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 19.74% - 28.49%.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
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 31, 2025)
  • 1.5% cash-back on all other purchases

Chase Sapphire Preferred® Card

BEST BEGINNER CARD
Chase Sapphire Preferred® Card
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U.P. Rating 
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 great welcome offer, good benefits, and perks for a moderate annual fee.

Apply Now(at Chase's secure site)
A fantastic travel card with a great 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.
60,000 bonus points
$1,200
$95
20.74% - 27.74% 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 (670-850)
Why We Like This Card

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 & Cons
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)
Cons
  • $95 annual fee
  • No elite benefits like airport lounge access or hotel elite status
Card Highlights
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • 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, 2027.
  • Member FDIC
Financial Snapshot
  • APR: 20.74% - 27.74% Variable
  • Foreign Transaction Fees: None
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 31, 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®

Chase Sapphire Reserve®
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U.P. Rating 
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 top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

Apply Now(at Chase's secure site)
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.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
60,000 points
$1,200
$550
21.74% - 28.74% 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.
Excellent (740-850)
Why We Like This Card

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 & Cons
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 through March 31, 2025
  • 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
Cons
  • $550 annual fee
  • Does not offer any sort of hotel elite status
Card Highlights
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • $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 $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance and more.
  • Member FDIC
Financial Snapshot
  • APR: 21.74% - 28.74% Variable
  • Foreign Transaction Fees: None
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 31, 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
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U.P. Rating 
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 Chase Slate Edge card is a great option for those looking to build their credit.

Apply Now(at Chase's secure site)
The Chase Slate Edge card is a great option for those looking to build their credit.
None
$0
Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 20.24% – 29.24% on balance transfers and purchases after the introductory period ends.
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)
Why We Like This Card

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 & Cons
Pros
  • No annual fee
  • Lower your interest rate by 2% each year
  • Raise your credit limit when you pay on time
Cons
    • Does not earn any credit card rewards
Card Highlights
  • Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 20.24% – 29.24% on balance transfers and purchases after the introductory period ends.
  • Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
  • Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
  • All for no annual fee – You won’t have to pay an annual fee for all the great features that come with your Slate EdgeSM 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
Financial Snapshot
  • APR: Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 20.24% – 29.24% on balance transfers and purchases after the introductory period ends.
  • Foreign Transaction Fees: 3% of the amount of each transaction in U.S. dollars.

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

IHG One Rewards Premier Credit Card
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U.P. Rating 
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 perfect card for IHG fans, offering a free night every year, automatic Platinum Elite status, and your fourth night free on award stays.

Apply Now(at Chase's secure site)
The perfect card for IHG fans, offering a free night every year, automatic Platinum Elite status, and your fourth night free on award stays.
Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.
140,000 points
$700
$99
20.74% - 27.74% 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 (670-850)
Why We Like This Card

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 & Cons
Pros
  • Up to 26x points per $1 on IHG stays
  • 5x points per $1 spent on purchases on travel, at gas stations, and restaurants
  • 3x points per $1 on all other purchases
Cons
  • $99 annual fee
  • Does not earn transferable points
Card Highlights
  • 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 ($120 starting 10/1/24) 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: 20.74% - 27.74% Variable
  • Foreign Transaction Fees: None

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

LIMITED TIME OFFER
United Club℠ Infinite Card
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U.P. Rating 
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.

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

Apply Now(at Chase's secure site)
Perfect for frequent United flyers who want premium perks like United Club access and free baggage benefits.
Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
90,000 miles
$1,080
$525
21.24% - 28.24% 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.
Excellent (740-850)
Why We Like This Card

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 & Cons
Pros
  • 4x miles per $1 on United purchases
  • 2x miles per $1 on travel and dining purchases
  • Complimentary United Club membership (up to $650 value per year)
Cons
  • $525 annual fee
  • Does not earn transferable rewards
Card Highlights
  • Limited-time Offer: Earn 90,000 bonus miles
  • 4x miles on United® purchases
  • 2x miles on all other travel and dining
  • 1x mile on all other purchases
  • United Club℠ membership - up to $650 value per year
  • Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and Premier Access® travel services
  • Earn up to 10,000 Premier qualifying points per calendar year (25 PQP for every $500 you spend on purchases)
  • Member FDIC
Financial Snapshot
  • APR: 21.24% - 28.24% Variable
  • Foreign Transaction Fees: None

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

    LIMITED TIME OFFER
    United Gateway℠ Card
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    U.P. Rating 
    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 United Gateway card is a great option for those looking to earn more United miles without paying an annual fee.

    Apply Now(at Chase's secure site)
    The United Gateway card is a great option for those looking to earn more United miles without paying an annual fee.
    Earn 30,000 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.
    30,000 miles
    $360
    $0
    0% Intro APR on Purchases for 12 months; after that, 21.24% - 28.24% 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 (670-850)
    Why We Like This Card

    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 & Cons
    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
    Cons
    • If you are a frequent United flyer, other cards offer more perks
    • It does not earn transferable rewards
    Card Highlights
    • Limited-time Offer: Earn 30,000 bonus miles
    • No annual fee
    • 2x miles on United® purchases
    • 2x miles at gas stations
    • 2x miles on local transit and commuting
    • 1x mile 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, 21.24% - 28.24% Variable
    • Foreign Transaction Fees: None

    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

    LIMITED TIME OFFER
    United Quest℠ Card
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    U.P. Rating 
    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 United Quest card is a fantastic option for United flyers looking to earn more miles and enhance their flights.

    Apply Now(at Chase's secure site)
    The United Quest card is a fantastic option for United flyers looking to earn more miles and enhance their flights.
    Earn 70,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.
    70,000 miles
    $840
    $250
    21.24% - 28.24% 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 (670-850)
    Why We Like This Card

    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 & Cons
    Pros
    • 3x miles per $1 on United purchases
    • 2x miles per $1 spent on travel, dining, and select streaming services
    • $125 annual United credit
    Cons
    • Does not earn transferable rewards
    • Does not offer airport lounge access
    Card Highlights
    • Limited-time Offer: Earn 70,000 bonus miles and 500 PQP
    • 3x miles on United® purchases
    • 2x miles on all other travel, dining, and select streaming services
    • 1x mile on all other purchases
    • Up to a $125 United® purchase credit and up to 10,000 miles in award flight credits each year (terms apply)
    • Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and priority boarding
    • Earn up to 6,000 Premier qualifying points per calendar year (25 PQP for every $500 you spend on purchases)
    • Member FDIC
    Financial Snapshot
    • APR: 21.24% - 28.24% Variable
    • Foreign Transaction Fees: None

    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

    LIMITED TIME OFFER
    United℠ Explorer Card
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    U.P. Rating 
    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.

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

    Apply Now(at Chase's secure site)
    With priority boarding privileges, no foreign transaction fees and more, MileagePlus members will definitely enjoy their partnered card.
    Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
    60,000 miles
    $720
    $95
    21.24% - 28.24% 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 (670-850)
    Why We Like This Card

    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 & Cons
    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
    Cons
    • $0 intro annual fee for the first year, then $95 annual fee
    • Does not earn transferable rewards
    Card Highlights
    • Limited-time Offer: Earn 60,000 bonus miles
    • $0 introductory annual fee for the first year, then $95.
    • 2x miles on United® purchases, dining, and hotel stays
    • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
    • Free first checked bag - a savings of up to $160 per roundtrip. Terms Apply.
    • Up to $120 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
    • Member FDIC
    Financial Snapshot
    • APR: 21.24% - 28.24% Variable
    • Foreign Transaction Fees: None
    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

    IHG One Rewards Premier Business Credit Card
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    U.P. Rating 
    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 IHG Premier Business card is the perfect option for business travelers who regularly stay at IHG hotels.

    Apply Now(at Chase's secure site)
    The IHG Premier Business card is the perfect option for business travelers who regularly stay at IHG hotels.
    Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening
    140,000 points
    $700
    $99
    20.74% - 27.74% 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 Recommended (670-850)
    Why We Like This Card

    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 & Cons
    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
    Cons
    • $99 annual fee
    • Does not earn transferable rewards
    Card Highlights
    • Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 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 ($120 starting 10/1/24) 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: 20.74% - 27.74% Variable
    • Foreign Transaction Fees: None

    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

    Ink Business Cash® Credit Card
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    U.P. Rating 
    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 card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

    Apply Now(at Chase's secure site)
    This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
    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.
    Up to $750
    Up to $750
    $0
    0% intro APR on purchases for 12 months; 17.74% - 25.74% variable thereafter.
    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)
    Why We Like This Card

    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 17.74% - 25.74% thereafter, you could be adding big value back into your business for no cost out of pocket.

    Pros & Cons
    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
    • Travel insurance and purchase protection
    Cons
    • Spending caps in bonus categories
    • Low points earning outside of bonus categories
    Card Highlights
    • 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
    • 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; 17.74% - 25.74% variable thereafter.
    • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
    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

    Ink Business Premier® Credit Card
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    U.P. Rating 
    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.

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

    Apply Now(at Chase's secure site)
    Earn up to 5% cash-back for your business without complex bonus earning categories!
    Earn $1,000 bonus cash-back after you spend $10,000 on purchases in the first 3 months from account opening.
    $1,000
    $1,000
    $195
    Flex for Business Variable APR: 18.74% - 26.74%
    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)
    Why We Like This Card

    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 & Cons
    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
    Cons
    • $195 annual fee
    • Some purchases need to be paid in full each month and don’t qualify for Flex for Business APR
    Card Highlights
    • 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: 18.74% - 26.74%
    • Foreign Transaction Fees: None

    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 31, 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

    Ink Business Preferred® Credit Card
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    U.P. Rating 
    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 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.

    Apply Now(at Chase's secure site)
    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.
    Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠.
    90,000 points
    $1,800
    $95
    20.49% - 26.49% 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 (670-850)
    Why We Like This Card

    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 & Cons
    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
    Cons
      • No elite travel benefits like airport lounge access
    Card Highlights
    • Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 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: 20.49% - 26.49% Variable
    • Foreign Transaction Fees: $0
    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

    Ink Business Unlimited® Credit Card
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    U.P. Rating 
    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 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.

    Apply Now(at Chase's secure site)
    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.
    Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
    $750
    $750
    $0
    0% intro APR on purchases for 12 months; variable 17.74% - 23.74% thereafter
    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)
    Why We Like This Card

    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 17.74% - 23.74% thereafter

    Pros & Cons
    Pros
    • 1.5% cash-back on all purchases
    • No annual fee
    • 0% intro APR on purchases for 12 months; variable 17.74% - 23.74% thereafter
    Cons
      • 3% foreign transaction fee
    Card Highlights
    • 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 17.74% - 23.74% thereafter
    • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
    Rewards Center

    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

    United Club℠ Business Card
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    U.P. Rating 
    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 United Club Business card is a great option for frequent United flyers looking for United Club access.

    The United Club Business card is a great option for frequent United flyers looking for United Club access.
    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.
    50,000 miles
    $600
    $450
    21.99%–28.99% 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 (670-850)
    Why We Like This Card

    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 & Cons
    Pros
    • 2x miles per $1 spent on United purchases
    • 1.5x miles per $1 spent on all other purchases
    • Complimentary United Club membership
    Cons
    • $450 annual fee
    • Earning rate for United purchases is poor compared to other United cards
    Card Highlights
    • 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

    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

    United℠ Business Card
    Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
    U.P. Rating 
    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 business card from Chase for United loyalists with benefits such as free checked bags and discounts on inflight purchases.

    Apply Now(at Chase's secure site)
    A business card from Chase for United loyalists with benefits such as free checked bags and discounts on inflight purchases.
    Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99.
    75,000 miles
    $900
    $0 introductory annual fee for the first year, then $99
    21.24% - 28.24% 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 Recommended (670-850)
    Why We Like This Card

    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 & Cons
    Pros
    • $0 introductory annual fee for the first year, then $99.
    • 2x miles per $1 on United purchases
    • 2x miles per $1 on dining
    Cons
    • Doesn’t earn transferable rewards
    • Other United cards are more rewarding for United purchases
    Card Highlights
    • 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.
    • 2x miles on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
    • 1x mile 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.
    • 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.
    • Enjoy a free first checked bag - a savings of up to $160 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: 21.24% - 28.24% Variable
    • Foreign Transaction Fees: None

    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

    World of Hyatt Business Credit Card
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    U.P. Rating 
    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 World of Hyatt Business card provides a solid option for business travelers that are looking to put their expenses on a small business card.

    Apply Now(at Chase's secure site)
    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.
    60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
    60,000 bonus points
    $900
    $199
    20.74% - 27.74% 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 (670-850)
    Why We Like This Card

    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 & Cons
    Pros
    • Up to 9x points total for Hyatt stays and experiences: 4 Bonus Points per $1 on qualified purchases at Hyatt hotels. Plus, up to 5 Base points from Hyatt per eligible $1 spent just for being a World of Hyatt member.
    • 2x points per $1 spent in your top three spend 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.
    Cons
    • $199 annual fee
    • Bonus categories and benefits are very similar to the personal card
    Card Highlights
    • 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening
    • Up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 on qualified purchases at Hyatt hotels & up to 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.
    • 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: 20.74% - 27.74% Variable
    • Foreign Transaction Fees: None
    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 total on Hyatt stays – 4 Bonus Points per $1 on qualifying purchases at Hyatt, plus up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
    • 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
    • 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.

    Frequently Asked Questions

    Does Chase cover rental car insurance?
    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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