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Chase Freedom Unlimited Rental Car Insurance Coverage

The Chase Freedom Unlimited credit card provides rental car insurance. Rental car insurance is also called Auto Rental Damage Collision Waiver (DCW). DCW is available when cardholders pay for a rental car with their Chase Freedom Unlimited credit card.

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Do you need to know the terms of your rental car insurance coverage included with your Chase Freedom Unlimited credit card? We searched the terms and conditions to save you time!

Keep reading to discover more information about your rental car insurance terms and conditions and quickly compare the travel benefits of other cards with an included collision damage waiver. We’ve also answered some frequently asked questions.

What’s Covered by Chase Freedom Unlimited’s Collision Damage Waiver?

Chase Freedom Unlimited’s Collision Damage waiver covers the cash value of the rental car when the car is lost, stolen, or damaged. Chase’s benefits include valid loss of use charges from the rental company. Important coverage guidelines include

  • Pay for the rental with the Chase Unlimited Freedom credit card
  • List the cardholder as the driver
  • Coverage is primary when outside of the United States
  • Coverage in the United States is secondary to your automobile insurance policy
  • Do not select the auto rental company’s insurance offer

What’s Excluded by Chase Freedom Unlimited’s Auto Rental Collision Damage Waiver?

Renters will need to verify that they have adequate coverage for the vehicle they are renting. Be aware of these exclusions in coverage with the Collision Damage Waiver (CDW).

  • Expensive, exotic, or antique rental cars
  • Recreational vehicles, motorbikes, and mopeds
  • Medical expenses for anyone in or out of the vehicle
  • Loss or theft of personal belongings
Selective focus of woman holding credit card while sitting in car on gas station

Chase Freedom Unlimited vs. Other Cards’ Rental Car Insurance Offers

Chase Freedom Unlimited is not the only credit card that includes the damage collision waiver as a cardholder benefit. This table compares the Chase Freedom Unlimited credit card with other popular cards with rental insurance benefits.

Credit CardRental Car InsuranceLocation ProvidedWhat is covered?Annual Fee
Chase Freedom UnlimitedProvidedWorldwideDamage or Theft of Rental Vehicle, Loss of Use Charges$0
American Express Gold CardProvidedWorldwide Except for Australia, Italy, and New ZealandDamage or Theft of Rental Vehicle$695
American Express Platinum CardProvidedWorldwide Except for 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 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 Preferred by ChaseProvidedWorldwideDamage or Theft of Rental Vehicle$95
Ink Businness Cash by ChaseProvidedWorldwideDamage or Theft of Rental Vehicle$0
Southwest Rapid Rewards PremierProvidedWorldwideDamage or Theft of Rental Vehicle$99

Chase Freedom Unlimited Travel Benefits vs. Other Cards’ Benefits

The Chase Freedom Unlimited offers 5% cash back for flights, hotels, cruises, rental cars, and activities. The card also offers 3% cash back for dining out and 1.5% cash back for all other purchases. The Chase Freedom Unlimited credit card has an average purchase Annual Percentage Rate (APR) compared to other travel credit cards.

Credits CardPurchase APRGasoline RewardsRestaurants/BarsOther Travel
Chase Freedom Unlimited18.74% to 27.49%1.5 % Cash Back3% Cash Back5% cashback for Flights, Hotels, Rental Cars, Activities, and Cruises
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 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 Preferred by Chase18.99% to 23.99%1x Points1x Points3x Points for Select Travel Purchases, Travel Insurance
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

Frequently Asked Questions

Do credit card companies offer car protection for rented cars?

Some credit cards, like the Chase Freedom Unlimited credit card, 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?

The cardholder must be listed on the rental agreement for Chase Freedom Unlimited’s car rental benefit.

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). 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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