Core Insights - Credit card rental car insurance can serve as an alternative to rental company coverage, but specific conditions must be met to utilize this benefit [3][4][5] Group 1: Credit Card Insurance Overview - Credit cards offering complimentary rental car insurance require the cardholder to rent the vehicle using the card and decline the rental agency's collision damage waiver to access the insurance benefit [3][4] - There are two types of coverage: secondary and primary. Secondary coverage supplements personal car insurance, while primary coverage allows cardholders to bypass filing a claim with their personal insurer first [4][5] Group 2: Primary vs. Secondary Coverage - Secondary coverage is the most common, requiring claims to be filed with personal insurance first, while primary coverage is less common and allows direct assistance from the credit card company [4][5] - Primary coverage can help avoid potential premium increases associated with filing claims with personal insurance [5] Group 3: Credit Cards Offering Primary Coverage - The Capital One Venture X Rewards Card provides primary rental car coverage, although specific coverage amounts are not clearly disclosed [9] - The Chase Sapphire Reserve offers up to $75,000 in primary coverage for rentals up to 31 consecutive days [13] - The Chase Sapphire Preferred provides up to $65,000 in primary coverage for most rental cars valued at $125,000 or less [15] - The Ink Business Cash card offers up to $60,000 in primary insurance with no annual fee [19] - The Ink Business Preferred card provides up to $65,000 in primary coverage and includes a significant welcome offer [24] - The Ink Business Unlimited card also offers primary coverage of up to $65,000 for cars valued at $125,000 or less, with a $0 annual fee [27]