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Best Credit Cards for rental car insurance

Ranked by real value with filters for fees, issuers, rewards, and transfer programs.

CardRewards.ai helps you find the best credit card for your spending with data-driven recommendations, side-by-side comparisons, and expert analysis.

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Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.

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Best Credit Cards for rental car insurance

Ranked by real value with filters for fees, issuers, rewards, and transfer programs.

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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

1

Capital One Venture X Rewards Credit Card

Capital One

2x Venture Miles
2x × 1.9¢/pt = 3.7¢ per dollar

Why this card

  1. 1.Primary Auto Rental Collision Damage Waiver
  2. 2.Primary Car Rental Insurance
  3. 3.Visa Infinite Rental Car Privileges

$315 in credits offset the $395 fee

VISA
3.7¢
per dollar
$395/yr($315 in credits)
Annual rewards$222
+ Credits$315
− Annual fee$395
Net annual value$142
2

The Platinum Card from American Express

Amex

1x Membership Rewards
1x × 1.5¢/pt = 1.5¢ per dollar

Why this card

  1. 1.Premium Car Rental Protection (Optional)
  2. 2.Car Rental Loss and Damage Insurance
  3. 3.Car Rental Elite Status

$1,397 in credits fully offsets the $895 fee

AMEX
1.5¢
per dollar
$895/yr($1,397 in credits)
Annual rewards$90
+ Credits$1,397
− Annual fee$895
Net annual value$592
U.S. Bank Altitude Connect Visa Signature Card
3

U.S. Bank Altitude Connect Visa Signature Card

Usbank

1x Usbank Altitude Rewards
1x × 1.0¢/pt = 1.0¢ per dollar

Why this card

  1. 1.Rental Car Damage Coverage
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges

No annual fee

VISA
1.0¢
per dollar
No annual fee($72.50 in credits)
Annual rewards$60
+ Credits$72.50
Net annual value$132.50
4

Bilt Palladium Card

Cardless

2x Bilt Rewards
2x × 2.2¢/pt = 4.4¢ per dollar

Why this card

  1. 1.MasterRental Coverage

$300 in credits offset the $495 fee

MASTERCARD
4.4¢
per dollar
$495/yr($300 in credits)
Annual rewards$264.00
+ Credits$300
− Annual fee$495
Net annual value$69
Chase Sapphire Preferred Card
5

Chase Sapphire Preferred Card

Chase

1x Ultimate Rewards
1x × 1.8¢/pt = 1.8¢ per dollar

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Auto Rental Coverage
  3. 3.Primary Rental Car CDW
  4. 4.Visa Signature Rental Car Privileges

$134 in credits fully offsets the $95 fee

VISA
1.8¢
per dollar
$95/yr($134 in credits)
Annual rewards$108
+ Credits$134
− Annual fee$95
Net annual value$147
6

One Key+ Card

Wells Fargo

2% cash back

Why this card

  1. 1.Auto Rental Collision Damage Waiver
MASTERCARD
2.0¢
per dollar
$99/yr
Annual rewards$120
− Annual fee$99
Net annual value$21
Citi Strata Elite℠ Card
7

Citi Strata Elite℠ Card

Citi

1.5x ThankYou Points
1.5x × 1.6¢/pt = 2.4¢ per dollar

Why this card

  1. 1.MasterRental Coverage

$762.50 in credits fully offsets the $595 fee

MASTERCARD
2.4¢
per dollar
$595/yr($762.50 in credits)
Annual rewards$144
+ Credits$762.50
− Annual fee$595
Net annual value$311.50
8

TD Double Up Credit Card

Td Bank

2% cash back

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Visa Signature Rental Car Privileges

No annual fee

VISA
2.0¢
per dollar
No annual fee
Annual rewards$120
Net annual value$120
Fidelity Rewards Visa Signature Card
9

Fidelity Rewards Visa Signature Card

Elan Financial

2% cash back

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Visa Signature Rental Car Privileges

No annual fee

VISA
2.0¢
per dollar
No annual fee
Annual rewards$120
Net annual value$120
Navy Federal Visa cashRewards Card
10

Navy Federal Visa cashRewards Card

Navy Federal

1.5% cash back

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges

No annual fee

VISA
1.5¢
per dollar
No annual fee
Annual rewards$90
Net annual value$90
Wells Fargo Active Cash Card
11

Wells Fargo Active Cash Card

Wells Fargo

2% cash back
Up to 3.2¢/$ (1.6¢/pt)via Choice Privileges

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Visa Signature Rental Car Privileges
  3. 3.Up to 1.6¢/pt via Choice Privileges

No annual fee

VISA
2.0¢
per dollar
No annual fee
Annual rewards$120
Net annual value$120
DoorDash Rewards Mastercard®
12

DoorDash Rewards Mastercard®

Chase

1% cash back

Why this card

  1. 1.Auto Rental Coverage

No annual fee

MASTERCARD
1.0¢
per dollar
No annual fee($276 in credits)
Annual rewards$60
+ Credits$276
Net annual value$336
Bank of America® Unlimited Cash Rewards for Students
13

Bank of America® Unlimited Cash Rewards for Students

Bank Of America

1.5% cash back

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Visa Signature Rental Car Privileges

No annual fee

VISA
1.5¢
per dollar
No annual fee
Annual rewards$90
Net annual value$90
Alaska Airlines Visa Signature Credit Card
14

Alaska Airlines Visa Signature Credit Card

Bank Of America

1x Atmos Rewards
1x × 1.0¢/pt = 1.0¢ per dollar

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
VISA
1.0¢
per dollar
$95/yr
Annual rewards$60
− Annual fee$95
Net annual value-$35
15

PenFed Pathfinder Rewards Visa Signature Card

Penfed

1.5x Penfed Honors Advantage
1.5x × 0.9¢/pt = 1.3¢ per dollar

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Visa Signature Rental Car Privileges

$50 in credits offset the $95 fee

VISA
1.3¢
per dollar
$95/yr($50 in credits)
Annual rewards$80.10
+ Credits$50
− Annual fee$95
Net annual value$35.10
Marriott Bonvoy Bountiful Credit Card
16

Marriott Bonvoy Bountiful Credit Card

Chase

2x Marriott Bonvoy
2x × 0.7¢/pt = 1.4¢ per dollar

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Visa Signature Rental Car Privileges

$135 in credits offset the $250 fee

VISA
1.4¢
per dollar
$250/yr($135 in credits)
Annual rewards$84
+ Credits$135
− Annual fee$250
Net annual value-$31
Bilt Blue Card
17

Bilt Blue Card

Cardless

1x Bilt Rewards
1x × 2.2¢/pt = 2.2¢ per dollar

Why this card

  1. 1.MasterRental Coverage

No annual fee

MASTERCARD
2.2¢
per dollar
No annual fee
Annual rewards$132.00
Net annual value$132.00
Chase Sapphire Reserve
18

Chase Sapphire Reserve

Chase

1x Ultimate Rewards
1x × 1.8¢/pt = 1.8¢ per dollar

Why this card

  1. 1.Rental Car Elite Status
  2. 2.Primary Rental Car Insurance
  3. 3.Visa Infinite Rental Car Privileges

$960 in credits fully offsets the $795 fee

VISA
1.8¢
per dollar
$795/yr($960 in credits)
Annual rewards$108
+ Credits$960
− Annual fee$795
Net annual value$273
H-D™ H.O.G.™ Elite Visa Signature®
19

H-D™ H.O.G.™ Elite Visa Signature®

Usbank

1x points

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Visa Signature Rental Car Privileges

$104.50 in credits fully offsets the $99 fee

VISA
1.0¢
per dollar
$99/yr($104.50 in credits)
Annual rewards$60
+ Credits$104.50
− Annual fee$99
Net annual value$65.50
Amazon Visa
20

Amazon Visa

Chase

1% cash back

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Visa Signature Rental Car Privileges

No annual fee

VISA
1.0¢
per dollar
No annual fee
Annual rewards$60
Net annual value$60
21

Verizon Visa Card

Synchrony

1% cash back

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Visa Signature Rental Car Privileges

No annual fee

VISA
1.0¢
per dollar
No annual fee
Annual rewards$60
Net annual value$60
Bilt Obsidian Card
22

Bilt Obsidian Card

Cardless

1x Bilt Rewards
1x × 2.2¢/pt = 2.2¢ per dollar

Why this card

  1. 1.MasterRental Coverage

$20 in credits offset the $95 fee

MASTERCARD
2.2¢
per dollar
$95/yr($20 in credits)
Annual rewards$132.00
+ Credits$20
− Annual fee$95
Net annual value$57.00
Delta SkyMiles Gold American Express Card
23

Delta SkyMiles Gold American Express Card

Amex

1x SkyMiles
1x × 1.0¢/pt = 1.0¢ per dollar

Why this card

  1. 1.Car Rental Loss and Damage Insurance

$70 in credits offset the $150 fee

AMEX
1.0¢
per dollar
$150/yr (Y1 waived)($70 in credits)
Annual rewards$60
+ Credits$70
− Annual fee$150
Net annual value-$20
Hilton Honors American Express Card
24

Hilton Honors American Express Card

Amex

3x Hilton Honors
3x × 0.4¢/pt = 1.2¢ per dollar

Why this card

  1. 1.Car Rental Loss and Damage Insurance

No annual fee

AMEX
1.2¢
per dollar
No annual fee
Annual rewards$72
Net annual value$72
Aeroplan® Card
25

Aeroplan® Card

Chase

1x Aeroplan
1x × 1.0¢/pt = 1.0¢ per dollar

Why this card

  1. 1.Auto Rental Collision Damage Waiver

$15 in credits offset the $195 fee

MASTERCARD
1.0¢
per dollar
$195/yr($15 in credits)
Annual rewards$60
+ Credits$15
− Annual fee$195
Net annual value-$120
Apple Card
26

Apple Card

Goldman Sachs

1% cash back

Why this card

  1. 1.Hertz Rental Savings

No annual fee

MASTERCARD
1.0¢
per dollar
No annual fee($32 in credits)
Annual rewards$60
+ Credits$32
Net annual value$92
Bank of America Travel Rewards Credit Card for Students
27

Bank of America Travel Rewards Credit Card for Students

Bank Of America

1.5x Bank of America Points
1.5x × 1.0¢/pt = 1.5¢ per dollar

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Visa Signature Rental Car Privileges

No annual fee

VISA
1.5¢
per dollar
No annual fee
Annual rewards$90
Net annual value$90
28

Navy Federal More Rewards American Express®

Navy Federal

1x points

Why this card

  1. 1.Car Rental Loss and Damage Insurance

No annual fee

AMEX
1.0¢
per dollar
No annual fee
Annual rewards$60
Net annual value$60
British Airways Visa Signature® Credit Card
29

British Airways Visa Signature® Credit Card

Chase

1x British Airways Club
1x × 1.0¢/pt = 1.0¢ per dollar

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Visa Signature Rental Car Privileges

$360 in credits fully offsets the $95 fee

VISA
1.0¢
per dollar
$95/yr($360 in credits)
Annual rewards$60
+ Credits$360
− Annual fee$95
Net annual value$325
Marriott Bonvoy Boundless Credit Card
30

Marriott Bonvoy Boundless Credit Card

Chase

2x Marriott Bonvoy
2x × 0.7¢/pt = 1.4¢ per dollar

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Visa Signature Rental Car Privileges

$50 in credits offset the $95 fee

VISA
1.4¢
per dollar
$95/yr($50 in credits)
Annual rewards$84
+ Credits$50
− Annual fee$95
Net annual value$39