Ink business cards and the United cards for the first year. After the first year the United cards have an annual fee. Issuers usually don’t give primary insurance for no annual fee.
coopdude on
BILT is primary with no AF but that card disappears in Feb and it’s not known if BILT 2.0 will have the benefit.
WF One Key WEMC is primary no AF.
Note that many rental car damage coverages that are primary now carve out New York residents. Which is to say:
– If you live in Minnesota and fly to Albany or NYC and rent a car – the benefit would be primary.
– If you have a New York State Driver’s license and primarily live/reside in NYS, then anywhere the benefit applies within the US, it would be secondary to any other coverage (including comprehensive/collision coverage on your own auto policy, since NYS law requires this to extend to rental cars across the 50 states if you have it.)
Jane2468 on
Any cards that have 0 annual fee but option to purchase primary insurance?
Different-Ninja2436 on
Fidelity Visa signature has Auto Rental Collision Damage Waiver and no annual fee.
Kitayama_8k on
Onekey and bilt. Bilt may (I think probably) lose it when it changes issuers though.
If you have an amex you can enable their insurance, it costs like 20$ for up to 30 days. If you are an infrequent renter this could be a great option. Also I think dealing with a paid amex service would be way easier than most other cdw providers.
azure275 on
I think the WF Onekey is the only one
* Ink cards only cover rentals for business purposes
* United cards only waive AF for the 1st year then are not no AF
* BILT is being revamped so who knows but this will probably be tied to the 95/495 AF variants
6 Comments
Ink business cards and the United cards for the first year. After the first year the United cards have an annual fee. Issuers usually don’t give primary insurance for no annual fee.
BILT is primary with no AF but that card disappears in Feb and it’s not known if BILT 2.0 will have the benefit.
WF One Key WEMC is primary no AF.
Note that many rental car damage coverages that are primary now carve out New York residents. Which is to say:
– If you live in Minnesota and fly to Albany or NYC and rent a car – the benefit would be primary.
– If you have a New York State Driver’s license and primarily live/reside in NYS, then anywhere the benefit applies within the US, it would be secondary to any other coverage (including comprehensive/collision coverage on your own auto policy, since NYS law requires this to extend to rental cars across the 50 states if you have it.)
Any cards that have 0 annual fee but option to purchase primary insurance?
Fidelity Visa signature has Auto Rental Collision Damage Waiver and no annual fee.
Onekey and bilt. Bilt may (I think probably) lose it when it changes issuers though.
If you have an amex you can enable their insurance, it costs like 20$ for up to 30 days. If you are an infrequent renter this could be a great option. Also I think dealing with a paid amex service would be way easier than most other cdw providers.
I think the WF Onekey is the only one
* Ink cards only cover rentals for business purposes
* United cards only waive AF for the 1st year then are not no AF
* BILT is being revamped so who knows but this will probably be tied to the 95/495 AF variants
Also if you live in NY nobody offers it at all