topic Re: Best card for award rental in Credit Cards

Best card for award rental

red259 — Sat, 02 May 2015 03:15:38 GMT

I need to rent a car and I have a bunch of reward points free car rentals. Is there any credit cards that I can get an award rental on (namely just paying the taxes with the card) yet stilll get the CDW. I don't have insurance so I will have to buy the personal injury supplement from the rental agency.

Re: Best card for award rental

Anonymous — Sat, 02 May 2015 03:29:24 GMT

Tagged. I'm curious too. The fine print for the card insurance says you must pay full price of the rental with the card. I have always wondered what they happens when you rent on points.

If say you use points to get an upgrade, or you rent one day and get a second day with points, are you covered?

Re: Best card for award rental

red259 — Sat, 02 May 2015 03:24:14 GMT

@Anonymous wrote:
Tagged. I'm curious too. The fine print for the card insurance says you must pay to her full price of the rental with the card. I have always wondered what they happens when you rent on points.

If say you use points to get an upgrade, or you rent one day and get a second day with points, are you covered?

+1 great follow-up questions.

Re: Best card for award rental

red259 — Sun, 03 May 2015 05:40:30 GMT

*bump* I need to make a rental reservation this week, which is why I am curious if I can pay taxes only with a card and still get CDW.

Re: Best card for award rental

lg8302ch — Sun, 03 May 2015 06:28:37 GMT

@red259 wrote:
I need to rent a car and I have a bunch of reward points free car rentals. Is there any credit cards that I can get an award rental on (namely just paying the taxes with the card) yet stilll get the CDW. I don't have insurance so I will have to buy the personal injury supplement from the rental agency.

Maybe the safest way is to use a card where you can pay with your CC and once the rental is done use the points/miles like a purchase eraser. That will get you over the "rental has to be paid in full" part. If you will have to pay for CDW/LDW it could get ugly and expensive. Sorry but I cannot come up with a better idea

Re: Best card for award rental

happypill — Sun, 03 May 2015 06:51:08 GMT

Best alternative would be the Arrival+ if you have it. You get all the benefits of booking with the card regularly, then just apply points to pay for the charges. The Arrival+ is a WEMC, so the benefits level should be the highest. Venture would work the same way with VS.

Re: Best card for award rental

red259 — Mon, 04 May 2015 01:13:06 GMT

@happypill wrote:
Best alternative would be the Arrival+ if you have it. You get all the benefits of booking with the card regularly, then just apply points to pay for the charges. The Arrival+ is a WEMC, so the benefits level should be the highest. Venture would work the same way with VS.

True, but the problem is I have awards from the rental agency not from the credit card itself.

Re: Best card for award rental

longtime_lurker — Mon, 04 May 2015 03:54:55 GMT

@red259 wrote:
@happypill wrote:
Best alternative would be the Arrival+ if you have it. You get all the benefits of booking with the card regularly, then just apply points to pay for the charges. The Arrival+ is a WEMC, so the benefits level should be the highest. Venture would work the same way with VS.
True, but the problem is I have awards from the rental agency not from the credit card itself.

May be a dumb workaround, but purchase their PEP or PAI insurance, and charge it to one of the cards? It's technically the full charge of the rental.

Re: Best card for award rental

vladrad — Mon, 04 May 2015 04:54:28 GMT

United Explorer ?

Re: Best card for award rental

red259 — Mon, 04 May 2015 05:22:43 GMT

@longtime_lurker wrote:
@red259 wrote:
@happypill wrote:
Best alternative would be the Arrival+ if you have it. You get all the benefits of booking with the card regularly, then just apply points to pay for the charges. The Arrival+ is a WEMC, so the benefits level should be the highest. Venture would work the same way with VS.
True, but the problem is I have awards from the rental agency not from the credit card itself.
May be a dumb workaround, but purchase their PEP or PAI insurance, and charge it to one of the cards? It's technically the full charge of the rental.

I have to buy personal injury supplement from the rental agency so if I buy that on an award rental I would get the card coverage for CDW?

Re: Best card for award rental

takeshi74 — Mon, 04 May 2015 12:58:32 GMT

@red259 wrote:
*bump* I need to make a rental reservation this week, which is why I am curious if I can pay taxes only with a card and still get CDW.

Calling and asking would get you answers not only faster but more reliable for each of your cards. You can't point to this thread on myFICO as evidence that you should have been covered by the card's coverage.

Re: Best card for award rental

red259 — Mon, 04 May 2015 18:27:56 GMT

@takeshi74 wrote:
@red259 wrote:
*bump* I need to make a rental reservation this week, which is why I am curious if I can pay taxes only with a card and still get CDW.
Calling and asking would get you answers not only faster but more reliable for each of your cards. You can't point to this thread on myFICO as evidence that you should have been covered by the card's coverage.

True, or maybe someone has had the same issue and could recommend a specific card to look at vs me calling around to several lenders and having to repeatedly explain to clueless CSR my concerns. I'm just looking for a starting point and then I can confirm with a lender. I figure someone must have had this very issue before.