🚀 Our new App is live!  Signup

🔥  300,000 bonus miles!!!  See details

Advertiser Disclosure

Advertiser Disclosure

Although we put in a lot of effort to give our readers unbiased information, and we include many credit card offers on our website for which we do not get paid any compensation, we are legally required to notify you that we may be receiving compensation from some of the credit card companies mentioned on our website.

Some of the credit card offers which appear on helpmebuildcredit.com are from credit card companies from which this site possibly receives compensation. This compensation may impact how and where credit card offers appear on this site. This site possibly does not include all available credit card offers.

 

Close

Primary CDW Insurance: Which Credit Cards Still Offer Them? 2021

- Jun 1, 2021 Credit Card Info0 comments

I recently published a post about credit card auto rental insurance and a reader asked me in the comments if the Chase Sapphire Preferred is the only card offering primary auto rental insurance? At a first glance, I wanted to reply that there are many cards that offer it. But then it hit me. Hey, are there really that many cards that still offer primary auto rental insurance? After reviewing the list I found that there are actually a total of 10 cards left that are still offering primary CDW insurance.

The following card have worldwide primary auto rental CDW insurance

 1) Chase Sapphire Prefered ($95 annual fee)

 2) Chase Sapphire Reserve ($550 annual fee)

3) United Explorer ($95 waived 1st year)

4) United Quest ($250 annual fee)

5) United Club Infinite ($525 annual fee)

6) Us Bank Altitude Reserve* ($400 annual fee)

7) Chase Ink Cash on rentals for business purposes  – ($0 annual fee) 

8) Chase Ink Unlimited on rentals for business purposes – ($0 annual fee) 

9) Chase Ink Preferred on rentals for business purposes – ($95 annual fee) 

10) United Business on rentals for business purposes ($99, first-year waived) 

*excluding rentals in Israel, Jamaica, the Republic of Ireland, or Northern Ireland

What's the difference between primary auto rental coverage and secondary?

Primary auto rental insurance will cover you no matter if you have other insurance or not. Whereas secondary coverage will only cover you only in a case where you do not have any other coverage. 

What difference does this make? Well, the only real difference this makes is if you have your own car, then most probably your insurance policy covers you in a case where you rent a vehicle on vacation, etc. With secondary coverage, the credit card issuer will refuse to pay for damages, forcing you to bill your primary auto insurance provider, which may cause your premiums to go up. But with primary coverage, you will be covered by the credit card issuer regardless if you have other insurances or not.

Amex premium car rental insurance

All Amex cardholders have standard secondary auto rental insurance but cardholders can purchase Premium Car Rental Protection for $12.25 – $24.95 per rental.  Premium Car Rental Protection offers primary coverage up to 42 days. And covers vehicles up to $100,000 value. It also includes secondary medical coverage and accidental death or dismemberment coverage for drivers and passengers.

 

Want to learn more about auto rental insurance offered by each credit card?

Check out our detailed benefits description of coverage on each of our credit card pages or compare the benefits between multiple cards on our brand new compare cards feature found here. You can add as many cards as you want to compare them side by side. 

Frequently asked questions
Will auto rental insurance cover a car that I borrow (let’s say I pay the guy $1)?
No. Credit card CDW usually has terms that the car needs to be rented from a commercial car rental agency

Was this article helpful?

avatar_logo
Sam Sam has nearly a decade's worth of experience educating his many readers on everything credit. Sam spends his days checking out credit cards for a full report, from the minute benefit details to the shebang of welcome bonuses. Plus studying the ins and outs of building proper credit. It’s his favorite pastime and he loves sharing it with others.

Leave A Comments

This site uses Akismet to reduce spam. Learn how your comment data is processed.

0 Comments

Recent Posts

Follow us

Click here to subscribe to
our WhatsApp channel

Today's
best offers

Capital One Venture X Business

Expiring 03/11/24! Earn a total of 300,000 miles. Earn 150,000 miles after spending $20,000 within the first 3 months. Plus, earn an additional 150,000 miles after spending a total of $100,000 within the first 6 months.

more info

Capital One Spark Cash Plus

Expiring 03/11/24! Earn a total of $3,000. Earn $1,500 after spending $20,000 within the first 3 months. Plus, earn an additional $1,500 after spending a total of $100,000 within the first 6 months.

more info

Ink Business Preferred Credit Card

Earn 100,000 points after spending $8,000 within the first 3 months.

more info

The Platinum Card from American Express

Earn 80,000 points after spending $8,000 within the first 6 months (terms apply).

more info

You May Also Like

Why It’s Important To Have A Two-Card Strategy

Why It’s Important To Have A Two-Card Strategy

Credit cards come along with different forms of rewards, different types of benefits, different redemption options, etc., etc., etc. Sometimes I feel that the banks are using a strategy similar to “if you can’t prove him then confuse him”. They make it so...

read more
Best Credit Cards For Construction And Home Improvement

Best Credit Cards For Construction And Home Improvement

Lowe’s and Home Depot are just two of many home improvement retailers. If you are renovating or refurbishing your home, save yourself money by using a credit card that earns rewards on home improvement purchases and construction. Check out the best credit card...

read more
Offer Ending In Two Days!! Which One Should You Take?

Offer Ending In Two Days!! Which One Should You Take?

Update: Offer expired Both the card_name and the card_name have the same welcome offer of 90,000 points after you spend $6,000 within the first 3 months. The offers are ending in two days so grab it fast!! The offers end on 01/18/24 at 9am EST!  card_name >>...

read more
success_icon

Download link sent
succesfully

Got it * please check your promotional inbox
fail_icon

Error sending download link

Try Again