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Debit/check Cards Or Money Order
- Some Enterprise Rent-A-Car locations may accept debit cards to secure the rental transaction. To reserve a vehicle without a major credit card, please contact the local office directly.
- A rental branch may require a combination of these items:
- Two current utility bills – example: water bill, gas bill, or an internet/cable bill.
- Your most recent paycheck stub
- A minimum deposit plus the entire cost of the rental at the time of pickup. Please see renter requirements policy when booking a reservation as the amount can vary between locations.
- Proof of insurance.
- Personal references – for security reasons, when you come in the branch may ask for two people they can contact to verify who you are and where you live. Most of the time you will need their full name and phone number.
Requirements To Ensure Coverage
For the CDW coverage that is offered on credit cards to be valid, most credit card coverage requires the following:
- Reserve and pay for your rental car with the qualifying credit card
- List all drivers on the rental agreement
Make sure you know the requirements before you rent a vehicle, and call the benefits administrator if you have questions.
You can even ask for a letter showing your CDW coverage to show when renting a vehicle.
Bottom Line: Your credit card guide to benefits will be very specific in explaining the definition of the cards particular CDW coverage. It will also provide clear information on where and when coverage is secondary or primary.
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Are Discover Credit Cards Good
Discover credit cards can be considered a good option based on the promotions available for new applicants. Discover will match the cash back that new applicants earn at the end of their 1st year of card membership.
It is worth noting that Discover credit cards are not as widely accepted as some of their leading competitors, however. Similar to American Express, Discover cards run on their own payment processing network, different from Visa and Mastercard, accepted by most vendors.
Ink Business Credit Cards
The Chase Ink Business cards Ink Business Preferred Credit Card, Ink Business Cash Credit Card, Ink Business Unlimited Credit Card offer primary coverage for normal vehicle types. The coverage provides reimbursement up to the vehicles actual cash value for charges related to physical damage and/or theft of the rental vehicle, valid loss-of-use charges assessed by the rental company, and reasonable and customary towing charges related to a covered loss.
However, note that youll only be covered by primary coverage while renting primarily for business purposes. If you are renting for personal reasons in your country of residence, youll only get secondary coverage.
The Ink Business Preferred Credit Card is currently offering a sign-up bonus of 100,000 bonus points after you spend $15,000 on purchases in the first three months of account opening. With this card, youll earn 3x points per dollar spent on travel, shipping purchases, internet/cable/phone and advertising purchases made with social media sites and search engines and 1x point per dollar on everything else. This card has a $95 annual fee and doesnt charge foreign transaction fees. See our full card review for all the details.
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Discover cars is a leader in online car rental reservations Amazing priced rental, incredibly gave me 80% lower price than anywhere else. I took their full insurance cover which was so much cheaper. We currently accept american express, discover network, mastercard, and visa credit cards at our us airport locations. 11.99% variable to 22.99% variable, based on your creditworthiness.
The only discover card that offers primary rental car insurance is the escape card As of november 2017, visa, mastercard, american express and discover all offered some form of rental car coverage for cards on their networks. Seamless, professional and incredible good value. Then the standard purchase apr applies. If you plan to use a debit card, you need to be at least 25 years old. Discover cars is a leader in online car rental reservations Car Rental Flyer Car rental, Flyer, Flyer design inspiration.
As of november 2017, visa, mastercard, american express and discover all offered some form of rental car coverage for cards on their networks. Many other websites hide fees and extra costs from you. If you plan to use a debit card, you need to be at least 25 years old. Heres a detailed analysis of why. Making a car rental with no credit card can seem complicated, but it is possible with budget. Then the standard purchase apr applies. Rent A Car Business Card Free PSD Printable business.
How Rental Car Insurance On Credit Cards Works
To take advantage of rental car insurance from your credit card, decline the collision damage waiver from your rental car company. If you damage your rental car, you need to submit a claim to your credit card company if you have primary coverage, or submit a claim to your auto insurance, then a claim for any left over expenses to your credit card company.
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The Best Credit Cards For Car Rental Insurance Benefits
Most consumer credit cards offer some form of rental car coverage as a benefit. However, Worters says that the benefits can vary widely depending on the issuer and the card, which is why its important to review your policys details. Below are a few of our picks for the best car rental insurance depending on your needs.
Note: Our selections for the best coverage focus on travel cards that offer primary coverage to let you file any claims directly with the credit card company rather than having to go through your personal auto insurance.
Cards With Primary Coverage
Interested in credit cards with primary rental car coverage so you dont have to use your personal auto insurance? Two popular general travel credit cards the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve® are among the cards offering it. To qualify, you typically must be using a consumer card for personal travel and a business card for work travel. All the cards below cover rentals for a maximum of 31 days.
Many credit cards offer secondary rental car coverage. That includes the best travel credit cards.
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How To Choose The Right Credit Card For Car Rental Insurance
Before settling on a credit card to use for its car rental insurance, it’s important to pin down a few details about what is and isn’t covered.
Primary versus secondary: Of course, the most basic thing you’ll need to know is whether your card comes with primary or secondary insurance. That will help you decide whether to use its protections, to purchase a policy from the rental agency, or to investigate your options through your other insurance alternatives, such as a homeowners or renters policy.
What is covered: Each credit card has its own terms and conditions for rental car coverage that might include the types of vehicles covered, maximum dollar amounts, and more.
For example, the Chase Sapphire Preferred® Card offers primary coverage of rentals of under 31 days and will typically reimburse up to the actual cash value of the vehicle.
What isn’t covered: It’s just as important to know what’s not protected by your card’s insurance. With the Capital One Venture Rewards Credit Card, for example, most private passenger vehicles, such as automobiles and minivans, are covered. But if you rent an RV or a fancy sports car, you might be out of luck. Likewise, only rentals of 15 days or under in your country of residence, and fewer than 31 days abroad, are covered. As with many other cards, the Capital One Venture Rewards Credit Card’s auto collision damage waiver policy does not extend to damage caused by off-road driving or personal injuries, among other exclusions.
Is Discover Rental Car Insurance Primary Or Secondary
The only Discover card that offers primary rental car insurance is the Escape card all other Discover cards provide secondary auto rental insurance only. Secondary insurance means that any accidents will have to be reported to your personally-owned vehicle’s insurance company at home, thereby affecting your premium, while primary car rental insurance would not affect your domestic car insurance rates at all.
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Not All Car Types Are Covered
If you stick to the standard categories of car rentals such as compact, intermediate and full size, your credit cards car rental policy should apply. However, most policies exclude specialty-class vehicles, including large passenger vans, pickup trucks, antique vehicles and motorcycles. In addition, many policies exclude leases and micro-leases. And most policies exclude rentals through person-to-person car-sharing companies such as Turo.
Discover It Cash Back
Who should get it: The Discover it® Cash Back is ideal for cardholders looking for an easy-to-earn sign up bonus with no minimum spending requirement and the ability to earn cash back from rotating bonus categories.
How to use it: With the Discover it® Cash Back, you can earn up to 5% cash back each quarter at various places including grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Why youll love it: The Discover it® Cash Back will automatically give a dollar-for-dollar match on all cash back rewards at the end of your first year, and theres no spending requirement. If youre looking for a straightforward return on your spending, the Discover it Cash Back card could be a perfect match.
Things to consider:
- Limit on how much you can earn
- Rotating bonus categories require activation
- Discover isnt as widely accepted as cards in the Visa or Mastercard network
Pro tip: With Discover it® Cash Back, your cash back never expires. Redeem your rewards in any amount at any time.
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How To Make The Most Of Your Credit Card Car Rental Insurance
Here are a few practices to help you use credit card rental car insurance to its fullest.
If you follow these tips and read your policy carefully you should be in good shape the next time you rent a car.
About the author:
Best For Renting A Car During A Business Trip: Ink Business Preferred Credit Card
Heres why: When youre traveling for business, the Ink Business Preferred® Credit Card provides primary coverage for rental cars. This is a great way to cut costs on your next business trip.
And if your business trip turns into a personal vacation, the Ink Business Preferred® Credit Card still offers secondary coverage for rental cars.
Just know that it comes with a $95 annual fee.
Check out all the reasons why the Ink Business Preferred® Credit Card might be a good option for your next business trip.
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What Situations Are Included Or Excluded
Now we get to the fine print. Like almost any insurance policy, the terms and conditions of your credit card’s trip interruption and cancellation coverage probably list plenty of exclusions, and pandemics usually fall under those. If you have been sick with the virus, however, that is typically covered, and could be where your credit card can help most of all.
What Are The Pros And Cons Of Credit Card Rental Car Insurance
The main pro of credit card rental insurance is that its free if you have the right credit card. If you already have auto insurance that covers liability, having credit card coverage saves you money because you wont have to purchase the rental companys collision insurance and offers convenience if something happens to the rental car.
The con is that rental car insurance covers the car, not you. You are still responsible for any damage done to any other car, property, or more importantly for any medical expenses resulting from an accident. If you dont have auto insurance, make sure to purchase liability insurance from your rental car provider.
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Do You Really Need That Car Rental Insurance
Should You Buy Rental Car Insurance?
After battling security checks, turbulence and baggage claim, weary travelers often face puzzling choices at the car rental counter. Should they buy the rental car insurance offered by the rental car company, or is it enough to depend on their credit card for coverage?
Most credit cards offer some kind of free coverage for damage or loss to a rental car resulting from an accident or theft as long as you charge the rental to that card.
“The reason they offer this kind of coverage is the issuer would rather have you book your car on their credit card,” says John Ulzheimer, president of consumer education at SmartCredit.com.
On the other hand, the rental car company provides this coverage for as much as $29.99 per day, depending on the vehicle and state laws.
It seems like a no-brainer to let your credit card cover your car rental. But before you turn down the rental car company’s offer, make sure you know what you’re getting. Bankrate outlines what you need to know and offers an easy-to-read chart to compare rental car company insurance versus credit card coverage.
Using Credit Card Car Rental Insurance
You might need to take several steps if you want to take advantage of your credit card’s rental car coverage.
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Will Your Credit Card Cover Trip Cancellations Due To Covid
At Experian, one of our priorities is consumer credit and finance education. This post may contain links and references to one or more of our partners, but we provide an objective view to help you make the best decisions. For more information, see our .
In this article:
The COVID-19 pandemic has disrupted many industries around the globe, and the travel industry has been one of the hardest hit of all. Travel restrictions, quarantine orders and countrywide lockdowns have resulted in airlines cancelling flights, hotels shutting their doors and cruise ships remaining docked for the foreseeable future.
The disruption has also caused millions of travelers to change their plans or cancel trips altogether. If you are one of those people, you are probably looking into your options for getting your money back. The good news: Some credit cards cover trip and event cancellations due to COVID-19 as part of their trip interruption and cancellation insurance. You’ll need to check the terms and conditions carefully, though. Here’s what you need to know.