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Apple Credit Card Rental Car Insurance Coverage

The Apple Card does not offer rental car insurance as a benefit. This benefit is also known as Auto Rental Collision Damage Waiver (CDW). Other credit cards do offer CDW as a cardholder benefit.

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Apple Card vs. Other Cards’ Rental Car Insurance Offers

Even if your Apple Card does not provide the auto rental collision damage waiver you’re looking for, another credit card in your wallet may. We compared the Apple Card to other popular credit cards that provide an Auto Rental Damage Collision Waiver and their annual fees.

Credit CardRental Car InsuranceLocation ProvidedWhat is covered?Annual Fee
Apple CardNot ProvidedNo Coverage ProvidedNo Coverage Offered$0
American Express Gold CardProvidedWorldwide Except Australia, Italy, and New ZealandDamage or Theft of Rental Vehicle$695
American Express Platinum CardProvidedWorldwide Except Australia, Italy, and New ZealandDamage or Theft of Rental Vehicle$0
Bank of America Travel RewardsProvidedWorldwideDamage or Theft of Rental Vehicle$250
Capital One Venture X Travel Rewards Credit CardProvidedWorldwideDamage or Theft of Rental Vehicle$395
Chase Freedom UnlimitedProvidedWorldwideDamage or Theft of Rental Vehicle, Loss of Use Charges$0
Chase Sapphire ReserveProvidedWorldwideDamage or Theft of Rental Vehicle, Loss of Use Charges$550
Costco Anywhere Visa Card by CitiProvidedWorldwideDamage or Theft of Rental VehicleCostco Membership, $60/Person
Ink Business Cash by ChaseProvidedWorldwideDamage or Theft of Rental Vehicle$0
Southwest Rapid Rewards PremierProvidedWorldwideDamage or Theft of Rental Vehicle$99

Apple Card Travel Benefits vs. Other Cards’ Benefits

The Apple Card does not offer travel-related benefits, but many other popular cards do. We looked through the current promotions of many popular cards to search for other relevant travel benefits like extra rewards for flights, fuel, or dining. 

The table below lists the cards’ purchase Annual Percentage Rate (APR) as well as key benefits.

Credit CardPurchase APRGasoline RewardsRestaurant/BarsOther travel
Apple Card13.99% to 24.99%NoneNoneNone
American Express Gold Card19.74% to 26.74%1x Points4x Points3x Points for Flights Booked through AmexTravel and Other Credits Available
American Express Platinum Card19.74% to 26.74%1x Points1x Points5x Points for Flights and Hotels Booked through AmexTravel Plus Credits for Hotels, TSA Precheck and More
Bank of America Travel Rewards16.99% to 26.99%1.5 Points per $11.5 Points per $11.5 Points per $1
Capital One Venture X Travel Rewards Credits Card19.99% to 26.99%2x Miles2x Miles10x Miles for Rental Cars and Hotels, 5x Miles for Flights, Plus Credits through Capital One Travel, Other Bonus Miles
Chase Freedom Unlimited18.74% to 27.49%1.5 % Cash Back3% Cash Back5% cashback for Flights, Hotels, Rental Cars, Activities, and Cruises
Chase Sapphire Reserve20.74% to 27.74%1 Reward Point per $13x Points on Dining Out, 10x Points on Select Dining$300 Annual Travel Credits, 5x Points on Flights, 10x Points on Cars and Hotels, 3x Points on Other Travel
Costco Anywhere Visa Card by Citi18.99%4% on Gas and EV Charging First $7,000 then 1% After3% Cash Back3% on Eligible Travel Purchases
Ink Business Cash by Chase16.24% to 22.24%2% Cash Back on First $25,000 Annually2% Cash Back on First $25,000 Annually1% Unlimited Cash Back on All Purchases
Southwest Rapid Rewards Premier19.74% to 26.74%1 Reward Point per $11 Reward Point per $13 Points for Every $1 on Southwest, 2 Points for Every $1 on Rapid Rewards Hotel and Car Partners
Southwest Rapid Rewards Premier19.74% to 26.74%1 Reward Point per $11 Reward Point per $13 Points for Every $1 on Southwest, 2 Points for Every $1 on Rapid Rewards Hotel and Car Partners

What are some other ways to get Rental Car Insurance?

Besides a Collision Damage Waiver offered to cardholders of certain credit cards, there are other ways to ensure a rental car is covered in case of an accident or theft.

  • A standard automobile Insurance Policy may cover rental vehicles in the United States
  • Many rental car companies also offer insurance for an additional fee at checkout.
  • Renters may purchase a policy with a travel insurance agency
driver hold credit card infront of car dashboard

Frequently Asked Questions

Do credit card companies offer car protection for rented cars?

Some credit card companies include an auto rental damage collision waiver in their terms and conditions.

How do I know if my credit card benefits include rental car insurance?

You can find out if your credit card benefits include rental car insurance by reading your terms and conditions, or you may call the customer service line.

Does the name on the credit card name have to match the driver for the rental car?

For most auto rental collision damage waiver policies, the name on the credit card must match one of the listed drivers on the rental policy. Some credit card benefits will cover additional drivers, and some will not.

References

(2022). Auto Rental Collision Damage Waiver. chase.com. Retrieved November 15, 2022, from https://www.chase.com/personal/credit-cards/slate/autorental-protection

(2022). Costco Anywhere Visa Card by Citi. Citi.com. Retrieved November 15, 2022, from https://www.citi.com/credit-cards/citi-costco-anywhere-visa-credit-card

(2022). Does My Costco Anywhere Visa Card by Citi Include Rental Car Insurance. Costco Travel. Retrieved November 15, 2022, from https://costco-travel-us-mbr.custhelp.com/app/answers/detail/a_id/5902/~/does-my-costco-anywhere-visa%C2%AE-card-by-citi-include-rental-car-insurance%3F

(2022). How Your Apple Card Application is Evaluated. support.apple.com. Retrieved November 15, 2022, from https://support.apple.com/en-us/HT209218

(2022). Southwest Rapid Rewards. creditcards.chase.com. Retrieved November 15, 2022, from https://creditcards.chase.com/southwest/priority-credit-card

(2022). Visa Guide to Benefits. business.bofa.com. Retrieved November 16, 2022, from https://business.bofa.com/content/dam/boamlimages/documents/PDFs/visa_guide_to_benefits.pdf

    Jesse Cunningham profile picture

    Jesse Cunningham V is a professional writer and licensed insurance agent. He has worked in the insurance industry in different capacities, starting as a customer service representative and working his way up to an independent agency owner. He is licensed in the states of Maryland and Pennsylvania for Property, Casualty, Life, and Health products. Jesse has worked with many national carriers, including Nationwide, State Farm, Travelers, and Liberty Mutual, and specializes in car and home insurance and health, life, accidental death, and disability insurance. He writes for multiple publications including FIXD and Bauple.com. All articles by Jesse are opinion-based. Speak with your licensed insurance agent about the particulars of your insurance before making any decisions.

    We’re here to help you simplify car care and save, so this post may contain affiliate links to help you do just that. If you click on a link and take action, we may earn a commission. However, the analysis and opinions expressed are our own.

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    About the Author

    Jesse Cunningham

    Jesse Cunningham

    Jesse Cunningham V is a professional writer and licensed insurance agent. He has worked in the insurance industry in different capacities, starting as a customer service representative and working his way up to an independent agency owner. He is licensed in the states of Maryland and Pennsylvania for Property, Casualty, Life, and Health products. Jesse has worked with many national carriers, including Nationwide, State Farm, Travelers, and Liberty Mutual, and specializes in car and home insurance and health, life, accidental death, and disability insurance. He writes for multiple publications including FIXD and Bauple.com. All articles by Jesse are opinion-based. Speak with your licensed insurance agent about the particulars of your insurance before making any decisions.

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