List of Chase Credit Cards That Offer Rental Car Insurance [2021]

Sixt rental car man driving car

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

But we’ve got you covered! If you’re someone who occasionally rents a rental car, and you want a Chase credit card that offers rental car insurance, then you’ve come to the right place. This guide provides a breakdown of the ins and outs of how rental car insurance with Chase works, which cards offer coverage, and the type of coverage that those cards offer.

How Chase Rental Car Insurance Works

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

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

Primary Coverage vs. Secondary Coverage

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

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

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

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

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

Collision Damage Insurance vs. Liability Insurance

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

Chase Rental Car Insurance Exclusions

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

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

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

Full List of Chase Credit Cards That Cover Rental Car Insurance

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 full list below.

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

Chase Personal Cards

Chase Sapphire Reserve® Card

Rental Insurance Coverage: Primary

Coverage Limit: $75,000

Annual Fee: $550

Card Earnings: 

  • 3x points per dollar on travel and dining purchases
  • 10x points per dollar on Lyft purchases
  • 1x point per dollar on all other purchases

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

Chase Sapphire Preferred® Card

Rental Insurance Coverage: Primary

Coverage Limit: Cash value of the rental vehicle

Annual Fee: $95

Card Earnings: 

  • 2x points per dollar on travel and dining purchases
  • 5x points per dollar on Lyft purchases
  • 1x point per dollar on all other purchases

Chase Freedom Unlimited® Card

Rental Insurance Coverage: Secondary

Coverage Limit: Cash value of the rental vehicle

Annual Fee: $0

Card Earnings: 

  • 5x points per dollar on travel purchased through the Chase Ultimate Rewards travel portal
  • 3x points per dollar on dining and drugstore purchases
  • 1.5x points per dollar on all other purchases

Chase Freedom Flex℠ Card

Credit CardBenefits & Info

Chase Freedom Flex℠ Credit Card


Freedom Flex℠ Credit Card
Learn More
(at Chase's secure site)

  • Earn a $200 bonus after you spend $500 on purchases in the first 3 months
  • Earn 5% on travel purchased through Chase Ultimate Rewards®
  • Earn 3% on dining at restaurants, including takeout and eligible delivery services
  • Earn 3% on drugstore purchases
  • Earn 5% on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Earn 1% on all other purchases
  • Good to Excellent Credit Recommendation (670-850)
  • Annual Fee: $0

Rental Insurance Coverage: Secondary

Coverage Limit: Cash value of the rental vehicle

Annual Fee: $0

Card Earnings: 

  • 5x points per dollar on rotating quarterly bonus categories (up to $1,500 in purchases)
  • 5x points per dollar on travel purchased through Chase Ultimate Rewards
  • 3x points per dollar on dining and drugstore purchases
  • 1x point per dollar on all other purchases

United Club℠ Infinite Card

Rental Insurance Coverage: Primary

Coverage Limit: Cash value of the rental vehicle

Annual Fee: $525

Card Earnings: 

  • 4x miles per dollar on United purchases
  • 2x miles per dollar on travel and dining purchases
  • 1x mile per dollar on all other purchases

United℠ Explorer Card

Rental Insurance Coverage: Primary

Coverage Limit: Cash value of the rental vehicle

Annual Fee: $95

Card Earnings: 

  • 2x miles per dollar on United purchases
  • 2x miles per dollar on dining and hotel purchases
  • 1x mile per dollar on all other purchases

United Gateway℠ Card

Rental Insurance Coverage: Secondary

Coverage Limit: Cash value of the rental vehicle

Annual Fee: $0

Card Earnings: 

  • 2x miles per dollar on United purchases
  • 2x miles per dollar on gas stations and local transit purchases
  • 1x mile per dollar on all other purchases

Chase Business Cards

Ink Business Preferred® Credit Card

Credit CardKey Benefits & Info
Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card
Apply Now
(at Chase's secure site)
  • Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months.
  • $2,000
  • Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year
  • Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn
  • 25% more value when redeeming points through Ultimate Rewards® travel
  • Good to Excellent Credit Recommended (670-850)
  • Annual Fee: $95

Must Reads: For more info on the Ink Business Preferred, see our guides on its benefits, 7 things to do as a new cardholder, and our full review. This is our favorite Chase business credit card.

Rental Insurance Coverage: Primary

Coverage Limit: Cash value of the rental vehicle

Annual Fee: $95

Card Earnings: 

Ink Business Unlimited® Credit Card

Rental Insurance Coverage: Primary

Coverage Limit: Cash value of the rental vehicle

Annual Fee: $0

Card Earnings: 

  • 1.5x points per dollar on all purchases

Ink Business Cash® Credit Card

Rental Insurance Coverage: Primary

Coverage Limit: Cash value of the rental vehicle

Annual Fee: $0

Card Earnings: 

  • 5x points per dollar on purchases at office supply stores and on internet, cable, and phone services (up to $25,000 each year)
  • 2x points per dollar at gas stations and restaurants (up to $25,000 each year)
  • 1x point per dollar on all other purchases

United℠ Business Card

Rental Insurance Coverage: Primary

Coverage Limit: Cash value of the rental vehicle

Annual Fee: $99

Card Earnings: 

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

United Club℠ Business Card

Rental Insurance Coverage: Primary

Coverage Limit: Cash value of the rental vehicle

Annual Fee: $450

Card Earnings: 

  • 2x miles per dollar on United purchases
  • 1.5x miles per dollar on all other purchases

Final Thoughts

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

So if you use rental cars with any sort of frequency, it pays to hold a credit card that offers great rental car insurance coverage.


Frequently asked questions

Does Chase cover rental car insurance?

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

How does Chase rental car insurance work?

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

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

What is the difference between primary and secondary rental coverage?

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

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

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

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

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

Which Chase credit cards have rental car insurance?

The following Chase credit cards offer primary rental car insurance:

  • Chase Sapphire Preferred card
  • Chase Sapphire Reserve card
  • Ink Business Cash card
  • Ink Business Preferred card
  • Ink Business Unlimited card
  • United Business card
  • United Club Business card
  • United Club Infinite card
  • United Explorer card

The following Chase credit cards offer secondary rental car insurance:

  • Freedom Flex card
  • Freedom Unlimited card
  • United Gateway card
Jarrod West

About Jarrod West

Jarrod first became fascinated with the world of points and miles as the perfect way to visit dream destinations without breaking the bank. On his first major award trip, he spent 3 months traveling through Europe, financed nearly entirely with points; while flying in premium cabins and staying in 5-star hotels along the way. Now, he is on a mission to help others realize their travel goals and upgrade their travel experiences. Jarrod has been writing about credit cards and travel loyalty programs for 4 years, and his work has been featured by Travel and Leisure, Matador Network, Yahoo Finance, and U.S. News.

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