Sorted by starting price

6 Cheapest Credit Cards for Rental Car Insurance of 2026

By the Rankozo research desk · Updated November 10, 2026

Among the 9 tools in our best credit cards for rental car insurance ranking, Chase Sapphire Preferred has the lowest verified paid starting price at $95 annual fee. Prices below are quoted from each vendor's US pricing page.

1. 01

   Chase Sapphire Preferred

   Most renters who want to decline the counter collision waiver without filing on their own auto policy first.

   $95 annual fee

   Full entry, No. 1 overall

   Starts at

   $95

   Score 9.2

2. 02

   Chase Ink Business Preferred

   Business owners and freelancers who rent cars for work trips.

   $95 annual fee

   Full entry, No. 3 overall

   Starts at

   $95

   Score 8.6

3. 03

   United Explorer Card

   United flyers who rent a car at the end of most trips.

   $0 first year, then $150 annual fee

   Full entry, No. 2 overall

   Starts at

   $150

   Score 8.7

4. 04

   Capital One Venture X

   Travelers who book rental cars through Capital One Travel and want lounge access at a mid-tier fee.

   $395 annual fee

   Full entry, No. 5 overall

   Starts at

   $395

   Score 8.2

5. 05

   Chase Sapphire Reserve

   Frequent travelers who rent pricier cars and want lounges and travel credits too.

   $795 annual fee

   Full entry, No. 4 overall

   Starts at

   $795

   Score 8.5

6. 06

   The Platinum Card from American Express

   Amex Platinum members who want rental status and are willing to buy primary cover per rental.

   $895 annual fee

   Full entry, No. 9 overall

   Starts at

   $895

   Score 7.3

Scores and prices come from our Best Credit Cards for Rental Car Insurance ranking, which uses one method for every tool. Questions or corrections: editorial@rankozo.com