Any non-Chase card with Primary Rental CDW

[Anonymous]

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.

[coldfusion]

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.

[iheartwings]

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

[wasCB14]

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.

[Anonymous]

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?

[iheartwings]

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@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?

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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.).

[Shadowfactor]

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@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?

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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

[ChargedUp]

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!)

[Anonymous]

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.

[ChargedUp]

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@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.

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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?