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Travel card that includes car rental?

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Super Contributor

Re: Travel card that includes car rental?

If you rent cars often enough (or for long enough) that the rewards on car rentals are a serious factor in getting a card, then I'd focus on Amex and Chase.

 

Chase: Great rental rewards on CSR/CSP along with rental and other travel insurances.

Amex: Status/discounts from Amex Platinum, Amex offers for car rentals, pay-per-rental car insurance.

 

I trust Citi with price rewinds and extended warranties on relatively small purchases (<$5k). For anything big or potentially more complicated (like an insurance claim following auto damage) I'd only go with a premium card from Amex or Chase.

 

But to answer your question, I'd add Costco as a card that includes rentals as a 3% bonus category. "3% cash back on restaurant (including cafes, bars, lounges and fast food restaurants) and eligible travel purchases worldwide, including airfare, hotels, car rentals, travel agencies, cruise lines and Costco Travel. " Of course, it requires a membership fee which might not otherwise be worth it to you.

Spend: BofA PR + WWFCR, BBP, Schwab Platinum, Freedom x 2, Costco, Discover
Perks: IHG49, Hyatt75, Delta Platinum, "Old" SPG95
SD/AAoA Ballast: Arrival, CFU, DC
Upgrade/downgrade games: BCE, EDP
Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
Message 11 of 25
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Valued Contributor

Re: Travel card that includes car rental?

With the Primary car rental coverage, the CSP and CSR outweigh pretty much any rewards you can get out of a card, unless you're comfortable with having your own personal auto insurance handle any claims that may arise while you're in possession of the rental car. LDW for a mid tier car with Avis and Hertz is $40/day! I've likely saved over $1000 in the last couple years just being able to refuse the LDW cost. CSP/CSR primary insurance also covers "loss of use" which is omitted in some secondary coverages and can add up in a hurry if the vehicle is in a major accident.

 

If you're going to be renting in New Zealand, take a look at the fine print as many cards exclude certain countries and I know I've seen NZ in a few of the lists. Some travel cards that give a bonus on rental cards here in the US may or may not do the same overseas. CSP/CSR are known to give appropriate UR points overseas most of the time. This is ultimately based on how the business codes through Visa.

 

And yes, Chase codes car rental as travel.

Amex PRG (NPSL), Amex Blue Cash ($24K), Amex Simply Cash+ ($4K), Amex Business Cash ($22.5K), Discover ($22.7K), Cap 1 Union Plus MC ($2500), Chase FU Visa Sig ($12K), Chase F Visa Sig ($8.3K), Chase CSP Visa Sig($6.5K), FCB/Elan Rewards Visa Sig($15K), Buckle ($1.3K), BofA AAA Rewards ($84.5K), Paypal credit ($10K), BBVA Clearpoints ($7.5K), Cap 1 Savor ($10K), PenFed PCR ($3500), Bank of the West CB MC ($3K)
Message 12 of 25
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Member

Re: Travel card that includes car rental?

Message 13 of 25
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Valued Contributor

Re: Travel card that includes car rental?

Just to throw another card into the mix, I'm pretty sure the US Bank Altitude Reserve codes car rentals as travel. I don't have the card (yet) but it's 3x points on travel purchases, and points are redeemed at 1.5x, so it's really 4.5x points. Also has primary coverage for car rentals
Message 14 of 25
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New Contributor

Re: Travel card that includes car rental?

CSP has primary rental insurance with AF of 99$
With a coverage up to 75k

Another option:-

Enroll into amex premium car rental insurance
Costs 25$ per booking with a coverage up to 100k
If you dont have an Amex card, i would recommend getting Hilton honor card it has 0 Af and FTF

TU: 703 (Barklay| Jan/19 )
EQ:729 (CK| Jan/19)
EX:711 (Amex| Jan/19)
Message 15 of 25
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Established Contributor

Re: Travel card that includes car rental?

Altitude Reserve covers car rentals and also has primary car rental insurance.
Amex Green NPSL, Amex Hilton Surpass 5k, Amex Marriott Bonvoy 1k, AMEX BBP 1k, AMEX Biz Cash 6k, BOA Cash Rewards 5k, BOA Better Balance Rewards 2k, Care Credit 15k, Chase Amazon Visa 19.825k, Discover 11.8k, Discover 12.5k, Nordstrom Store 4.5k , Fidelity Visa 10k, Cap 1 QS 15k, Cap 1 Savor 10.5k, Citi Rewards+ 4.4k, Citi DC 8k, Citi Advantage Platinum 5.5k, US Cash+ 3.5k, Altitude Reserve 12.5k, Paypal Mastercard 4k, Apple Card 6.5k, Wells Fargo Cash Wise 5k, BOA Premium Rewards 8k, Citi AA Biz 1.5k, Flexperks Biz 3k
Message 16 of 25
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Established Contributor

Re: Travel card that includes car rental?


@MrDisco99 wrote:

@OmarR wrote:

The UBER Visa is not 4% back on travel. It's 3% back.


And it's not on travel.  It's only on hotels and airfare.

 

Citi Premiere does 3x points on travel, which includes car rentals and even gas.


Hotels & airfare, along with other things, fall under the travel category.

 

What do you think they fall under?

    EQ=841        TU=834         EX=834      INQ=0/0/0     UTIL=1%        AZEO


Message 17 of 25
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Super Contributor

Re: Travel card that includes car rental?


@Rebuilt wrote:

Pretty much everything but amex cards (which don't have a travel category--their cards specify categories, such as air, hotel, transit, gas).

 

https://thepointsguy.com/guide/how-credit-card-issuers-classify-travel-and-dining-purchases/

 

Can't quite tell if Citi includes it. Their website is of no help getting info...just a lot of "get the Prestige and you can be fancy!" marketing.

 

The CSR covers primary rental insurance, as well as earns you points. If put off by the annual fee, the smaller AF CSP  also does.I

 

 

If just trying to stay simple, you may like the Uber Visa. 4% cash back on travel & dining with no AF. 


Amex Hilton Aspire has a car rental points category, along with airfare and dining.  Whether that applies overseas is another question. Not primary insurance, as noted by others. 

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
Message 18 of 25
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Super Contributor

Re: Travel card that includes car rental?


@OmarR wrote:

@MrDisco99 wrote:

@OmarR wrote:

The UBER Visa is not 4% back on travel. It's 3% back.


And it's not on travel.  It's only on hotels and airfare.

 

Citi Premiere does 3x points on travel, which includes car rentals and even gas.


Hotels & airfare, along with other things, fall under the travel category.

 

What do you think they fall under?


I think the point is that the Uber Visa doesn't give 3% on things like:

Cruises (Unless they're booked with a travel agency? I'm not clear on the wording)

Parking and tolls

Car rentals

Uber rides (And what's up with that?)

Gas

Spend: BofA PR + WWFCR, BBP, Schwab Platinum, Freedom x 2, Costco, Discover
Perks: IHG49, Hyatt75, Delta Platinum, "Old" SPG95
SD/AAoA Ballast: Arrival, CFU, DC
Upgrade/downgrade games: BCE, EDP
Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
Message 19 of 25
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Established Contributor

Re: Travel card that includes car rental?


@wasCB14 wrote:

@OmarR wrote:

@MrDisco99 wrote:

@OmarR wrote:

The UBER Visa is not 4% back on travel. It's 3% back.


And it's not on travel.  It's only on hotels and airfare.

 

Citi Premiere does 3x points on travel, which includes car rentals and even gas.


Hotels & airfare, along with other things, fall under the travel category.

 

What do you think they fall under?


I think the point is that the Uber Visa doesn't give 3% on things like:

Cruises (Unless they're booked with a travel agency? I'm not clear on the wording)

Parking and tolls

Car rentals

Uber rides (And what's up with that?)

Gas


I do understand that.

 

But to label hotels & airfare as NOT travel is incorrect.

    EQ=841        TU=834         EX=834      INQ=0/0/0     UTIL=1%        AZEO


Message 20 of 25
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