Primary Car Rental Insurance Credit Cards

[heirophant]

So, I'm still on the AMEX Blacklist following my BK13 discharge in 2020.  It is no longer on my report, so it won't affect approvals anymore, but AMEX has a long memory.  I used to pay for Primary Car Rental Insurance.  It was an add-on selection you could do with AMEX and it would allow me to pay $24.99 for up to 42 days of primary coverage as opposed to taking the daily $20 damage waiver the rental car agencies would sell you.

So, my question is this: are there any other cards you guys can recommend that offer primary insurance, paid or otherwise?  I have some trips coming up and could really use it to save money.

[coldfusion]

All US-issued Visa Infinite cards and the Chase Sapphire Preferred immediately come to mind.

[heirophant]

Chase Sapphire Preferred looks like a fairly good option.  The AF of $95 over the course of a year would probably even be less than I would spend with AMEX's fee with every rental.  Good find.  Now, the question is: am I off Chase's blacklist yet?  Looking for more suggestions before I make any decisions to apply.  Those Visa Infinite cards annual fees are prohibitive.

[C6]

Cap1 venture X, Chase Saphire Reserve, and FNBO Business Evergreen are a few that provide it for free.

[wasCB14]

I'd want to stick with an issuer with good customer service and which many people had already reported a smooth claims process.

So Amex, Chase, or one of a new CUs.

[calisig]

Depends on where you are driving. Some cards that offer secondary CDW in the US provide primary CDW internationaly ... such as Citi Costco Visa Signature ...

[creditfan]

no fee ink cash too, however it valids to business transactions only

[SouthJamaica]

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@heirophant wrote:

Chase Sapphire Preferred looks like a fairly good option.  The AF of $95 over the course of a year would probably even be less than I would spend with AMEX's fee with every rental.  Good find.  Now, the question is: am I off Chase's blacklist yet?  Looking for more suggestions before I make any decisions to apply.  Those Visa Infinite cards annual fees are prohibitive.

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Sorry but no you're probably on Chase's blacklist and will be for quite a while.

[wingennis]

The Preferred Cash Rewards from USAA is not a travel card but it does offer primary rental coverage and has no annual fee.  It also offers  flight interruption/cancellation coverage.  I used it myself for car rentals after I downgraded my Platinum to Gold.

[heirophant]

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@wingennis wrote:

The Preferred Cash Rewards from USAA is not a travel card but it does offer primary rental coverage and has no annual fee.  It also offers  flight interruption/cancellation coverage.  I used it myself for car rentals after I downgraded my Platinum to Gold.

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USAA is not an option for me.  Don't have anyone in my family that is a member and I've never been in the military and don't work for any approved companies.  Thanks for the suggestion.