The simplest of the Chase Business cards, the Chase Ink Business Unlimited® Credit Card earns a flat 1.5x Ultimate Rewards points for every dollar spent on the card except Lyft rides, where it earns 5X points through March 2025. Opinions expressed here are the author’s alone. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Commissions do not affect or prioritize placement within our results and not all cards displayed earn us a commission. Your Best Credit Cards and CardRatings may receive a commission from card issuers. The Bonus amounts listed below refer to the value of the bonus you can get for opening a new card and meeting the required minimum spend.Īdvertiser Disclosure: Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Always confirm before renting that the card’s provided benefits meet your needs. In all cases, the precise benefits for credit card provided CDW insurance varies from card to card. Our top choices for this benefit alone are the Chase Ink Business Cash and Chase Ink Unlimited Business Credit Card because they don’t carry annual fees. When using a Business credit card domestically for a car rental, please keep in mind the coverage is only primary if the car rental is for legitimate business purposes. Chase Ink Unlimited Business Credit Card (no annual fee).Chase Ink Business Cash (no annual fee).Business Credit Cards Cards with Primary Car Rental CDW Coverage Note that if you don’t qualify for Chase cards, most American Express credit cards provide secondary rental coverage. However, the Chase Sapphire Preferred has a much lower annual fee. The main difference is that the Chase Sapphire Reserve covers a higher limit on the car value ($75,000 as of time of writing – confirm when applying). Personal Credit Cards Cards with Primary Car Rental CDW Coverageīoth of the premium Chase Sapphire cards include primary CDW. Here are our top picks for credit cards with included and primary CDW car rental insurance coverage: They also do not cover non-passenger car vehicles (that means no pickup trucks or vans!). Primary car rental CDW insurance means that even if your rental car is damaged, the credit card will handle all covered costs (again, subject to their fine print!) without you having to involve your own insurance.Īlso keep in mind that these will not cover extended rentals, generally over 28-30 days. While a great many credit cards offer “secondary” insurance, which means they will cover the excess after you file a costly claim with your own car insurance provider, a handful of cards offer primary coverage. For example, many credit card CDW coverages exclude cars over a certain value (or car types) and exclude various countries, such as Italy, Ireland, New Zealand, Jamaica, Australia, and Israel. In all cases, you’ll want to make sure that you reserve and pay for the car rental with your credit card with the coverage, decline the rental company’s CDW (but do take the liability coverage if you don’t have personal insurance – that’s important!) and you make sure that your rental meets all applicable terms of the provided insurance. Credit Cards with Included Primary CDW Insurance Using a credit card with Collision Damage Waiver (CDW) insurance included means you can decline that (often very expensive!) coverage at the car rental counter. When choosing a credit card, one consideration is the car rental insurance coverage provided.
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