Best Credit Cards with Rental Car Insurance
Cards with primary or secondary rental car collision damage waiver — skip the counter upsell.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at this category. Order can differ from that column because ranking adds the adjustments above.
Bilt Palladium Card
Cardless
- +MasterRental Coverage: Covers repair/replacement cost for damage or theft (no fixed cap) plus up to $500 in loss-of-use charges when you decline the agency's CDW.
- +50,000 points bonus (~$1,000 value)
- +Est. $300/yr in usable credits offset part of the $495 fee — actual value depends on use and eligibility
Capital One Venture Rewards Credit Card
Capital One
- +Auto Rental Collision Damage Waiver: Get secondary collision damage waiver coverage for theft and collision damage on rental cars paid entirely with your Venture card
- +75,000 miles bonus (~$975 value)
- +Up to 1.4¢/pt via British Airways Club
Fidelity Rewards Visa Signature Card
Elan Financial
- +Auto Rental Collision Damage Waiver: Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
- +No annual fee
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Rate | Effective Value | Annual Fee | Est. Fee Offset | Network |
|---|---|---|---|---|---|
| Bilt Palladium CardCardless | 2x Bilt Rewards | 4.0¢/$ | $495 | $300 | mastercard |
| Capital One Venture Rewards Credit CardCapital One | 2x Capital One Miles | 2.6¢/$ | $95 | $15 | mastercard |
| Fidelity Rewards Visa Signature CardElan Financial | 2% cash back | 2.0¢/$ | $0 | $25 | visa |
| Capital One Venture X Rewards Credit CardCapital One | 2x Capital One Miles | 2.6¢/$ | $395 | $315 | visa |
| The Platinum Card from American ExpressAmerican Express | 1x Membership Rewards | 1.5¢/$ | $895 | $1,367 | amex |
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points | 2.5¢/$ | $595 | $465 | mastercard |
| Chase Sapphire ReserveChase | 1x Ultimate Rewards | 1.8¢/$ | $795 | $1,063 | visa |
| Wells Fargo Active Cash CardWells Fargo | 2% cash back | 2.0¢/$ | $0 | — | visa |
| Bank of America Premium Rewards Credit CardBank of America | 1.5x Bank of America Points | 1.5¢/$ | $95 | $150 | visa |
| Bilt Blue CardCardless | 1x Bilt Rewards | 2.0¢/$ | $0 | — | mastercard |
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