topic Re: Any non-Chase card with Primary Rental CDW in Credit Cards

Any non-Chase card with Primary Rental CDW

Anonymous — Thu, 24 Jan 2019 02:25:01 GMT

Thinking about getting a card with primary rental CDW so that no need to pay Amex $19.95 for that.

Currently 7/24 so no go for Chase until another one year.

Any other cards you guys would recommend? Thanks in advance.

Re: Any non-Chase card with Primary Rental CDW

coldfusion — Thu, 24 Jan 2019 02:43:28 GMT

It's an option that you can enable on AMEX cards where IIRC they'll provide it for a flat rate (IIRC about $20) for any US rental of less than 6 weeks duration.

Re: Any non-Chase card with Primary Rental CDW

iheartwings — Thu, 24 Jan 2019 02:44:04 GMT

IIRC, the US Bank Altitude Reserve Visa Infinite (holy bunches of syllables) offers primary CDW.

Re: Any non-Chase card with Primary Rental CDW

wasCB14 — Thu, 24 Jan 2019 03:32:54 GMT

There was some enthusiasm a year ago for a no-AF card with primary coverage from Sunflower Bank. The people who applied for it reported that customer service struggled with some very basic duties. Applications were paper-based. Details of the coverage (dollar amounts, geographic exclusions) were not provided (at least online).

The point being: Make sure an issuer is capable of efficiently handling claims for benefits it provides, and that you understand the benefits. Don't bother with anything too obscure for a potential big problem like a car accident.

Re: Any non-Chase card with Primary Rental CDW

Anonymous — Thu, 24 Jan 2019 13:05:51 GMT

Thanks. USB Altitude could be a good candidate, but I need to wait for another 2 months to reach 0/6 before applying. I think Primary CDW is supported by Visa Infinite instead of issuers (Chase or US Bank), right?

Re: Any non-Chase card with Primary Rental CDW

iheartwings — Fri, 25 Jan 2019 01:47:43 GMT

@Anonymous wrote:
Thanks. USB Altitude could be a good candidate, but I need to wait for another 2 months to reach 0/6 before applying. I think Primary CDW is supported by Visa Infinite instead of issuers (Chase or US Bank), right?

I think the benefit is provided through Visa. Issuers can choose to provide or cancel the benefit. What I can't figure out is how Chase has managed to make it primary coverage for cards other than CSR and R-C (like CSP, United, etc.).

Re: Any non-Chase card with Primary Rental CDW

Shadowfactor — Fri, 25 Jan 2019 02:07:47 GMT

@Anonymous wrote:
Thanks. USB Altitude could be a good candidate, but I need to wait for another 2 months to reach 0/6 before applying. I think Primary CDW is supported by Visa Infinite instead of issuers (Chase or US Bank), right?

I'm not aware of any 0/6 rule from US. Bank. You need to have a relationship with the bank in order tio apply.

I was atleast at 4 new cards in 6 months and LOL+/24 when I got the Altitude card.

Certain Chase Visa Signatures offer primary coverage.

Just a FYI : If overseas all secondary coverage becomes primary. So if you plan to rent cars only overseas you have your choice of many cards that offer rental insurance

Re: Any non-Chase card with Primary Rental CDW

ChargedUp — Fri, 25 Jan 2019 05:43:14 GMT

I'll second using Amex. (The Simply Cash + business card has primary coverage buried in the details, so I had my wife use it for a National rental last week, easy peasy!)

Re: Any non-Chase card with Primary Rental CDW

Anonymous — Fri, 25 Jan 2019 17:52:11 GMT

ChargedUp... I was excited when you said simply cash provided primary coverage... But unless you see something different elsewhere this is what I found in the policy documents...

Secondary Coverage
This Plan is secondary to all other valid and collectible insurance or other sources of indemnity and shall apply only when such other benefits are exhausted. We will pay only that portion of the loss benefit which is not reimbursed by other collectible insurance or other sources of indemnity, up to Our limits, as provided under the Description of Benefits section.

Re: Any non-Chase card with Primary Rental CDW

ChargedUp — Sat, 26 Jan 2019 03:19:02 GMT

@Anonymous wrote:
ChargedUp... I was excited when you said simply cash provided primary coverage... But unless you see something different elsewhere this is what I found in the policy documents...

Secondary Coverage
This Plan is secondary to all other valid and collectible insurance or other sources of indemnity and shall apply only when such other benefits are exhausted. We will pay only that portion of the loss benefit which is not reimbursed by other collectible insurance or other sources of indemnity, up to Our limits, as provided under the Description of Benefits section.

Actually I am seeing something different. While it does say secondary coverage, it's referring to liability to other parties, not about coverage to the rental vehice. The verbiage you've posted isn't in the page I'm seeing?

Log into your Simply Cash + account and click benefits. Scroll down and it's on the left. Click the rental car benefits and the below page appears. Am I misreading this?

Re: Any non-Chase card with Primary Rental CDW

Anonymous — Sat, 26 Jan 2019 15:40:36 GMT

https://www.americanexpress.com/us/credit-cards/features-benefits/policies/car-rental-loss-and-damage-insurance-terms.html

This is the page that lists all the policies in full legal verbiage...this is the link that would define what secondary means. However your screenshot says secondary coverage in multiple places.

Re: Any non-Chase card with Primary Rental CDW

Anonymous — Sat, 26 Jan 2019 16:36:12 GMT

@Shadowfactor wrote:
@Anonymous wrote:
Thanks. USB Altitude could be a good candidate, but I need to wait for another 2 months to reach 0/6 before applying. I think Primary CDW is supported by Visa Infinite instead of issuers (Chase or US Bank), right?
I'm not aware of any 0/6 rule from US. Bank. You need to have a relationship with the bank in order tio apply.

I was atleast at 4 new cards in 6 months and LOL+/24 when I got the Altitude card.

Certain Chase Visa Signatures offer primary coverage.

Just a FYI : If overseas all secondary coverage becomes primary. So if you plan to rent cars only overseas you have your choice of many cards that offer rental insurance

0/6 may be not an enforced rule for US Bank. It was recommended at Message 76 of 120 at https://ficoforums.myfico.com/t5/Credit-Cards/Former-U-S-Bank-Solutions-Rep-Ask-me-anything/td-p/5365774/page/8

I do have relationship with US Bank, with a Checking, Cash+, and Radisson card. Not sure if US Bank will issue a third credit card to me when I'm on 1/6.

You said "I was atleast at 4 new cards in 6 months and LOL+/24 when I got the Altitude card." Can I know when did you get approved? Thank you.

Re: Any non-Chase card with Primary Rental CDW

Shadowfactor — Sat, 26 Jan 2019 20:15:01 GMT

@Anonymous wrote:
@Shadowfactor wrote:
@Anonymous wrote:
Thanks. USB Altitude could be a good candidate, but I need to wait for another 2 months to reach 0/6 before applying. I think Primary CDW is supported by Visa Infinite instead of issuers (Chase or US Bank), right?
I'm not aware of any 0/6 rule from US. Bank. You need to have a relationship with the bank in order tio apply.

I was atleast at 4 new cards in 6 months and LOL+/24 when I got the Altitude card.

Certain Chase Visa Signatures offer primary coverage.

Just a FYI : If overseas all secondary coverage becomes primary. So if you plan to rent cars only overseas you have your choice of many cards that offer rental insurance
0/6 may be not an enforced rule for US Bank. It was recommended at Message 76 of 120 at https://ficoforums.myfico.com/t5/Credit-Cards/Former-U-S-Bank-Solutions-Rep-Ask-me-anything/td-p/5365774/page/8

I do have relationship with US Bank, with a Checking, Cash+, and Radisson card. Not sure if US Bank will issue a third credit card to me when I'm on 1/6.

You said "I was atleast at 4 new cards in 6 months and LOL+/24 when I got the Altitude card." Can I know when did you get approved? Thank you.

January 2018 is when I first got the card.

If your accounts are in good standing and your credit is good I would be willing to bet that USB would approve you for the AR regardless of your supposed 0/6 status.

I've seen datapoints about how conserative USB can be, but those were normally for new customers. Having a relationship with the bank is like having the keys to the castle.

Re: Any non-Chase card with Primary Rental CDW

Anonymous — Sat, 26 Jan 2019 21:12:19 GMT

Hey @shadowfactor have you been able to avail of confirm the Amex cards to cover as primary cdw for international rentals? All of my rentals have been overseas -_-

Re: Any non-Chase card with Primary Rental CDW

rbentley — Sat, 26 Jan 2019 21:28:43 GMT

I am learning something new here. I have always viewed the "secondary" language as meaning that my regular auto insurance would firsst be on the hook and that they would pick up the difference. I have assumed that if I didn't have auto insurance that the card would provide that coverage. Can someone weigh in on how this works? What coverage do I get with a CDW credit card benefit if I dont have other auto insurance? I am going to have to look at all my cards that offer this much more closely.

Re: Any non-Chase card with Primary Rental CDW

jdbkiang — Sat, 26 Jan 2019 21:43:26 GMT

@shadowfactor

As far as relationship goes, does my 5-month-old Cash+ and gold checking count? Ha.

Re: Any non-Chase card with Primary Rental CDW

Anonymous — Sun, 27 Jan 2019 08:28:33 GMT

Ok, for most issuers, primary means just that, it is first. I have the CSP just for this reason. The only other card issuers I know of that offer it are USAA or the service mentioned above from AmEx. Secondary means it may only pay after a deductible, after your personal policy has paid if you have one, and/or may not cover all of the damages. Please note, damages are typically limited to the value of the rental vehicle. No liability coverage or medical coverage applies. Luckily, secondary coverage typically becomes primary when you are outside the US and your policy won't apply or when you are not a vehicle owner and therefore lack a policy. Other restrictions may apply and you should consult the TOS for the particular policy. For instance, CSP excludes most luxury and high-end cars, but will cover the full value of the rental vehicle when manufactured. CSR allows luxury and sports, of course, but has a $75,000 limit. Still, none offer liability, just coverage for the rental vehicle. So, consider your possible medical injuries, those of others, and property liability that are not typically covered. Still it is nice to have primary, rather than pay $20/day to avoid a potential claim on your personal policy. Oh, and that TOS above that said secondary means just that! It is secondary, as is most, NOT primary!

Re: Any non-Chase card with Primary Rental CDW

jdbkiang — Sun, 27 Jan 2019 08:55:53 GMT

Correct me if I'm wrong, but I have read before, however, that if you don't actually have auto insurance (for example, people who don't drive/own a car), the secondary kicks in.

Re: Any non-Chase card with Primary Rental CDW

Anonymous — Sun, 27 Jan 2019 09:20:59 GMT

@jdbkiang wrote:
Correct me if I'm wrong, but I have read before, however, that if you don't actually have auto insurance (for example, people who don't drive/own a car), the secondary kicks in.

Did you read post 17?

Re: Any non-Chase card with Primary Rental CDW

jdbkiang — Sun, 27 Jan 2019 09:26:44 GMT

@Anonymous wrote:
@jdbkiang wrote:
Correct me if I'm wrong, but I have read before, however, that if you don't actually have auto insurance (for example, people who don't drive/own a car), the secondary kicks in.
Did you read post 17?

Haha, I thought I did, but I guess I didn't read carefully.