{"id":122351,"date":"2024-01-05T14:17:52","date_gmt":"2024-01-05T14:17:52","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/what-credit-cards-have-primary-rental-insurance\/"},"modified":"2024-01-05T14:17:52","modified_gmt":"2024-01-05T14:17:52","slug":"what-credit-cards-have-primary-rental-insurance","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/what-credit-cards-have-primary-rental-insurance\/","title":{"rendered":"What credit cards have primary rental insurance?"},"content":{"rendered":"<p>The answer to the question &#8220;What credit cards have primary rental insurance?&#8221; is that several credit cards offer primary rental insurance coverage to cardholders. Primary rental insurance is valuable as it provides coverage without requiring you to file a claim with your personal auto insurance company.<\/p>\n<p>One of the most well-known credit cards that offer primary rental insurance is the Chase Sapphire Preferred card. This card provides primary coverage for damage due to collision or theft for most rental cars in the U.S. and abroad. It also covers expenses such as loss of use and towing charges.<\/p>\n<p>Another popular credit card with primary rental insurance is the United Explorer Card. Cardholders can enjoy primary coverage for collision damage and theft when renting a car for personal use. The coverage includes reimbursement for physical damage up to the actual cash value of most rental vehicles.<\/p>\n<p>If you&#8217;re a frequent traveler, the American Express Platinum Card is another excellent option. This card offers primary rental insurance coverage for damage due to collision or theft for most rental cars. It also provides coverage for loss of use charges and reasonable towing charges.<\/p>\n<p>When it comes to business travelers, the Ink Business Preferred credit card from Chase is a top choice. This card offers primary rental insurance coverage for rental cars used for business purposes. It covers damage due to collision or theft, as well as loss of use charges and towing fees.<\/p>\n<p>Overall, having a credit card with primary rental insurance can save you money and give you peace of mind when traveling.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/what-credit-cards-have-primary-rental-insurance\/#FAQs_About_Credit_Cards_with_Primary_Rental_Insurance\" title=\"FAQs About Credit Cards with Primary Rental Insurance\">FAQs About Credit Cards with Primary Rental Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/what-credit-cards-have-primary-rental-insurance\/#1_Do_all_credit_cards_offer_primary_rental_insurance\" title=\"1. Do all credit cards offer primary rental insurance?\">1. Do all credit cards offer primary rental insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/what-credit-cards-have-primary-rental-insurance\/#2_What_is_the_difference_between_primary_and_secondary_rental_insurance\" title=\"2. What is the difference between primary and secondary rental insurance?\">2. What is the difference between primary and secondary rental insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/what-credit-cards-have-primary-rental-insurance\/#3_Are_there_any_fees_associated_with_using_primary_rental_insurance_from_a_credit_card\" title=\"3. Are there any fees associated with using primary rental insurance from a credit card?\">3. Are there any fees associated with using primary rental insurance from a credit card?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/what-credit-cards-have-primary-rental-insurance\/#4_Can_I_decline_the_rental_companys_insurance_if_I_have_primary_coverage_through_my_credit_card\" title=\"4. Can I decline the rental company&#8217;s insurance if I have primary coverage through my credit card?\">4. Can I decline the rental company&#8217;s insurance if I have primary coverage through my credit card?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/what-credit-cards-have-primary-rental-insurance\/#5_Does_primary_rental_insurance_cover_all_types_of_rental_vehicles\" title=\"5. Does primary rental insurance cover all types of rental vehicles?\">5. Does primary rental insurance cover all types of rental vehicles?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/what-credit-cards-have-primary-rental-insurance\/#6_How_do_I_know_if_my_credit_card_offers_primary_rental_insurance\" title=\"6. How do I know if my credit card offers primary rental insurance?\">6. How do I know if my credit card offers primary rental insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/what-credit-cards-have-primary-rental-insurance\/#7_Are_there_any_limits_to_the_coverage_provided_by_credit_cards_with_primary_rental_insurance\" title=\"7. Are there any limits to the coverage provided by credit cards with primary rental insurance?\">7. Are there any limits to the coverage provided by credit cards with primary rental insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/what-credit-cards-have-primary-rental-insurance\/#8_Can_I_use_multiple_credit_cards_to_combine_primary_rental_insurance_coverage\" title=\"8. Can I use multiple credit cards to combine primary rental insurance coverage?\">8. Can I use multiple credit cards to combine primary rental insurance coverage?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/what-credit-cards-have-primary-rental-insurance\/#9_Does_primary_rental_insurance_cover_personal_belongings_left_in_the_rental_car\" title=\"9. Does primary rental insurance cover personal belongings left in the rental car?\">9. Does primary rental insurance cover personal belongings left in the rental car?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/what-credit-cards-have-primary-rental-insurance\/#10_Is_primary_rental_insurance_valid_for_international_rentals\" title=\"10. Is primary rental insurance valid for international rentals?\">10. Is primary rental insurance valid for international rentals?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/what-credit-cards-have-primary-rental-insurance\/#11_Do_I_need_to_pay_for_the_rental_car_with_my_credit_card_to_be_eligible_for_primary_rental_insurance_coverage\" title=\"11. Do I need to pay for the rental car with my credit card to be eligible for primary rental insurance coverage?\">11. Do I need to pay for the rental car with my credit card to be eligible for primary rental insurance coverage?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/what-credit-cards-have-primary-rental-insurance\/#12_Can_I_transfer_primary_rental_insurance_coverage_from_one_credit_card_to_another\" title=\"12. Can I transfer primary rental insurance coverage from one credit card to another?\">12. Can I transfer primary rental insurance coverage from one credit card to another?<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"FAQs_About_Credit_Cards_with_Primary_Rental_Insurance\"><\/span>FAQs About Credit Cards with Primary Rental Insurance<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"1_Do_all_credit_cards_offer_primary_rental_insurance\"><\/span>1. Do all credit cards offer primary rental insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNot all credit cards offer primary rental insurance. Some cards only provide secondary coverage, which means you need to file a claim with your personal auto insurance first.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_What_is_the_difference_between_primary_and_secondary_rental_insurance\"><\/span>2. What is the difference between primary and secondary rental insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nPrimary rental insurance pays for damages first without involving your personal auto insurance, while secondary insurance only covers costs that exceed your personal auto insurance policy.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Are_there_any_fees_associated_with_using_primary_rental_insurance_from_a_credit_card\"><\/span>3. Are there any fees associated with using primary rental insurance from a credit card?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nTypically, there are no additional fees for using primary rental insurance coverage provided by your credit card.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Can_I_decline_the_rental_companys_insurance_if_I_have_primary_coverage_through_my_credit_card\"><\/span>4. Can I decline the rental company&#8217;s insurance if I have primary coverage through my credit card?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, if your credit card provides primary rental insurance, you can decline the rental company&#8217;s insurance, potentially saving you money.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Does_primary_rental_insurance_cover_all_types_of_rental_vehicles\"><\/span>5. Does primary rental insurance cover all types of rental vehicles?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nMost credit cards with primary rental insurance exclude certain types of vehicles like luxury cars, trucks, and exotic cars.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_How_do_I_know_if_my_credit_card_offers_primary_rental_insurance\"><\/span>6. How do I know if my credit card offers primary rental insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYou can check your credit card&#8217;s benefits guide or contact your credit card issuer to inquire about primary rental insurance coverage.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Are_there_any_limits_to_the_coverage_provided_by_credit_cards_with_primary_rental_insurance\"><\/span>7. Are there any limits to the coverage provided by credit cards with primary rental insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, most credit cards have coverage limits, so it&#8217;s essential to review the terms and conditions of your specific credit card&#8217;s policy.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Can_I_use_multiple_credit_cards_to_combine_primary_rental_insurance_coverage\"><\/span>8. Can I use multiple credit cards to combine primary rental insurance coverage?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIt&#8217;s generally not possible to combine primary rental insurance coverage from multiple credit cards. You can only use one card&#8217;s coverage per rental.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Does_primary_rental_insurance_cover_personal_belongings_left_in_the_rental_car\"><\/span>9. Does primary rental insurance cover personal belongings left in the rental car?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nPrimary rental insurance typically does not cover personal belongings left in the rental car. You may need a separate insurance policy for personal items.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Is_primary_rental_insurance_valid_for_international_rentals\"><\/span>10. Is primary rental insurance valid for international rentals?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, most credit cards with primary rental insurance provide coverage for rentals both domestically and internationally.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Do_I_need_to_pay_for_the_rental_car_with_my_credit_card_to_be_eligible_for_primary_rental_insurance_coverage\"><\/span>11. Do I need to pay for the rental car with my credit card to be eligible for primary rental insurance coverage?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, in most cases, you need to pay for the rental car with the credit card that offers primary rental insurance to be eligible for coverage.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Can_I_transfer_primary_rental_insurance_coverage_from_one_credit_card_to_another\"><\/span>12. Can I transfer primary rental insurance coverage from one credit card to another?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, primary rental insurance coverage is specific to the credit card that offers the benefit, and it cannot be transferred to another credit card.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The answer to the question &#8220;What credit cards have primary rental insurance?&#8221; is that several credit cards offer primary rental insurance coverage to cardholders. Primary rental insurance is valuable as it provides coverage without requiring you to file a claim with your personal auto insurance company. One of the most well-known credit cards that offer &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"What credit cards have primary rental insurance?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/what-credit-cards-have-primary-rental-insurance\/#more-122351\">Read more<span class=\"screen-reader-text\">What credit cards have primary rental insurance?<\/span><\/a><\/p>\n","protected":false},"author":22,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-122351","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What credit cards have primary rental insurance?<\/title>\n<meta name=\"description\" content=\"The answer to the question &quot;What credit cards have primary rental insurance?&quot; is that several credit cards offer primary rental insurance coverage to\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/namso-gen.co\/blog\/what-credit-cards-have-primary-rental-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What credit cards have primary rental insurance?\" \/>\n<meta property=\"og:description\" content=\"The answer to the question &quot;What credit cards have primary rental insurance?&quot; is that several credit cards offer primary rental insurance coverage to\" \/>\n<meta property=\"og:url\" content=\"https:\/\/namso-gen.co\/blog\/what-credit-cards-have-primary-rental-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"Namso Gen Blog - 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