Best Credit Cards for Rental Car Insurance Coverage
Secondary Collision Damage Waiver Coverage
Secondary CDW coverage requires you to first file a claim with any insurance that might be applicable to the situation before the secondary coverage kicks in. This is important because your own insurance company could potentially penalize you for an accident if you file a claim.
You may also have to pay a high deductible when filing a claim with your own insurance company, depending on the coverage you have.
Primary Collision Damage Waiver Coverage (Best Coverage)
Primary CDW coverage does not require you to file a claim with your own insurance company before coverage kicks in. It functions as the primary coverage for the car rental incident.
Top 3 Best Credit Cards for Primary Car Rental Insurance
Chase Sapphire Preferred (My recommendation)-LIMITED TIME OFFER $300 Chase Travel℠ Credit + 60,000 bonus points
Primary rental car insurance
5x points on car rentals booked via the Chase Travel portal
Primary rental car insurance
10x miles on car rentals booked through Capital One Travel
Complimentary Hertz President’s Circle status
Secondary rental car insurance with the ability to purchase primary rental car insurance
Fantastic rental car privileges with Avis, Hertz, and National