Which card for car rental?

EAJuggalo · ‎09-09-2017

I'm having a hard time choosing which card is going to offer me the best protection on my rental car for my upcoming trip to Orlando. I'm trying to figure it out between the CSP, Hilton AMEX, Citi DC or the GM card. What say the great gurus of myFICO? I know my auto insurance covers me in a rental the same as if it were my own car.

EX700 TU 704 EQ 694 4/03/22
Cap1 QS-$4,500 Chase Freedom Flex- $800 Chase Freedom Unlimited- $1,000 Victoria's Secret- $1,200 Citi DC- $800 Amazon Store Card- $3,500 AMEX Hilton Honors-$1,000 Discover It-$1,000 Wal-Mart MC $290 Chase Sapphire Preferred-$5,000 NFCU Flagship $13,800 AMEX BCE-$1,000 AMEX Gold-$5,000 AMEX Delta Blue $1,000 Lowe's $5,000 Navy Platinum $17,000 AMEX BBP $2,000

coldfusion · ‎09-09-2017

Charge the entire amount on your CSP because it provides primary collision coverage.

Edited to note that a) be sure to decline the rental company's collision damage waiver, and b) request ahead of time from Chase a copy of the actual policy and bring it with you.

(2/2025)
FICO 8 (EX) 850 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion

negg · ‎09-09-2017

Pretty simple. There's a hidden perk on wemc cards. If you have wemc card and sign up for national rent a car you are automatically promoted to executive status and get the pick of the lot for a full size rate.

Are any of your cards WEMC ? If so that's what I would use.

CSR.........11,900.......Delta Amex $11,200.........Marriott Rewards Premier $8000.......Discover IT $9700......Citi Preferred $8600.......Chase Freedom $10,800.....Barclay(apple) $11,600......BofA $1500.......Capital One $7400......FNO $9800......Barclay(Hawaiian airlines)$11,000......Citi Costco $15,000. June 1st 2013 0 credit cards and 575 fico. Today 117K in credit and 812 fico and ZERO INQUIRIES......ZERO. 2018 goal. 825 fico.

EAJuggalo · ‎09-09-2017

According to the cards, the GM card and the Citi DC are both WEMC. Still costs twice as much with the WEMC discount code as the deal I got through Priceline. Something to know if I ever need a car quickly though, or someone else is paying for it.

EX700 TU 704 EQ 694 4/03/22
Cap1 QS-$4,500 Chase Freedom Flex- $800 Chase Freedom Unlimited- $1,000 Victoria's Secret- $1,200 Citi DC- $800 Amazon Store Card- $3,500 AMEX Hilton Honors-$1,000 Discover It-$1,000 Wal-Mart MC $290 Chase Sapphire Preferred-$5,000 NFCU Flagship $13,800 AMEX BCE-$1,000 AMEX Gold-$5,000 AMEX Delta Blue $1,000 Lowe's $5,000 Navy Platinum $17,000 AMEX BBP $2,000

DeeBee78 · ‎09-09-2017

@EAJuggalo wrote:
I'm having a hard time choosing which card is going to offer me the best protection on my rental car for my upcoming trip to Orlando. I'm trying to figure it out between the CSP, Hilton AMEX, Citi DC or the GM card. What say the great gurus of myFICO? I know my auto insurance covers me in a rental the same as if it were my own car.

CSP. Even if your regular car insurance covers rentals, you don't want to file a claim and mess up your rates, or have to disclose it when shopping around for new insurance.

I don't know if your Amex let's you enroll in their premium car rental insurance, for $15 or $25, but mine does, and it takes the place of primary car rental insurance as well.

fltireguy · ‎09-09-2017

Amex has awesome primary insurance.. pretty inexpensive, I know for a Florida resident it's about $14 for the entire rental term, up to 30 or 45 days or something like that

NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!

wasCB14 · ‎09-09-2017

@fltireguy wrote:
Amex has awesome primary insurance.. pretty inexpensive, I know for a Florida resident it's about $14 for the entire rental term, up to 30 or 45 days or something like that

42

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select

negg · ‎09-09-2017

Only problem with cc car insurance, is getting them to pay. They will make you jump thru so many hoops to get paid it's ridiculous. The one time I had an accident in a rental i just used my car insurance. Rates went up $10 for the year. Minor.

CSR.........11,900.......Delta Amex $11,200.........Marriott Rewards Premier $8000.......Discover IT $9700......Citi Preferred $8600.......Chase Freedom $10,800.....Barclay(apple) $11,600......BofA $1500.......Capital One $7400......FNO $9800......Barclay(Hawaiian airlines)$11,000......Citi Costco $15,000. June 1st 2013 0 credit cards and 575 fico. Today 117K in credit and 812 fico and ZERO INQUIRIES......ZERO. 2018 goal. 825 fico.

Kellan · ‎09-10-2017

I travel alot. Like the poster said above CSP. Most rental car coverage offerered by cards is secondary. But the CSP is primary. This means if you damage their car chase will pay the bill without having to notify your insurance company. This only covers collision on their car. But it is a great benifit. Also you get double points because this is a travel transaction.

EQ: 678

TU: 699

EX: 736

UpperNwGuy · ‎09-10-2017

And unlike Amex, the CSP coverage is free.

Daily Carry: PenFed Power Cash • NFCU Flagship • NFCU More Rewards • Chase Freedom
Sock Drawer: PenFed Promise • NFCU cashRewards • Chase Sapphire Preferred • Chase Freedom Unlimited • United Explorer • UNFCU Azure