Are you looking for insurance coverage for a rental car? Keep reading to find out which Capital One credit cards will cover you for personal use and which provide business coverage. We’ll also identify which cards offer primary and secondary coverage.
This article will also offer insights into the difference in coverage offered by each card. We’ll look into the APRs, Annual Fees, and other noteworthy benefits.
Capital One Cards with Rental Car Insurance
Not all Capital One credit cards offer Rental Car Insurance, but a handful of Capital One cards do. For many cards, Capital One may use similar branding but offer different benefits depending on the credit score and eligibility of the cardholder.
Pro Tip: You must determine your account type by checking your latest paper or online statement.
Auto Rental Collision Damage Waivers through credit cards cover street-legal, four-wheeled vehicles. But sports, luxury, or recreational vehicles are not eligible for coverage. Also, large vans that seat more than nine people and open-bed cargo trucks will be excluded.

Which Capital One Credit Cards Offer Rental Car Insurance?
Once you have determined whether your Capital One Credit card is a Visa or Mastercard and which account type, you will be closer to determining whether you have access to complimentary rental car insurance.
Most Visa cards offered through Capital One have an Auto Rental Collision Damage Waiver. The only Visa through Capital One without a Collision Damage Waiver is the Capital One Visa Signature for Williams-Sonoma, Inc. Brands credit card.
Capital One VISA Cards With Collision Damage Waiver Benefits |
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Capital One Visa Professional |
Capital One Visa Signature |
Capital One Visa Business |
Capital One Visa Business Signature |
Capital One Enhanced Visa Signature Business |
Capital One Visa Infinite |
Mastercards Through Capital One are a bit trickier to determine whether or not the benefit is included. They offer similar cards for different credit scores, each with a unique set of benefits. One example is the Capital One Quicksilver Card.
Check your credit card statement for the account type. We listed the cards with and without the benefit in a table for reference.
Capital One MASTERCARD Auto Rental Collision Damage Waivers
Cards With Rental Car Coverage | Cards Without Rental Car Coverage |
---|---|
Capital One World Elite Mastercard for Business Spark Pro | Capital One World Elite Mastercard for Bass Pro Shops Pro and Cabela’s CLUB |
Capital One World Elite Mastercard for Business Spark | Capital One World Enhanced Mastercard for Bass Pro Shops Pro and Cabela’s CLUB |
Capital One World Elite Mastercard | Capital One World Mastercard for Cabela’s CLUB |
Capital One World Mastercard | Capital One Mastercard for CLUB Business |
Capital One Professional Mastercard | World Mastercard for Capital One Walmart Rewards Mastercard |
Capital One Mastercard Business | |
World Elite Mastercard for Capital One Walmart Rewards Mastercard | |
Capital One REI Co-op Mastercard |
Business Use Rental Car Coverage
For business Credit cards through Capital One, rental cars for business purposes are covered through the Auto Rental Collision Damage Waiver. This coverage is primary, which means Visa or Mastercard will pay out before other policies.
Pro Tip: Rentals must be rented for 31 or fewer consecutive days for the Collision Damage Waiver through the credit card to provide coverage.
Also, make sure that your rental vehicle is covered under the Collision Damage Waiver. Expensive, exotic, or recreational vehicles are ineligible for coverage.
For Visa cards, rental vehicles with an MSRP over $75,000 won’t be eligible for coverage. For Mastercards, rental vehicles with an MSRP over $50,000 won’t be covered.

Personal Use Rental Car Coverage
For the personal use of a rental car, most of the Collision Damage Waivers through Capital One are secondary in your country of residence. This means that your insurance or other types of coverage will pay out on a claim before the credit card coverage.
The notable exception is the Capital One Venture X Rewards card, which offers primary coverage for the personal use of rental cars even in your country of residence.
The most recognized Capital One credit cards are the Capital One Venture Rewards line. This line includes the Capital One Venture X Rewards card, Capital One VentureOne Rewards, and the Capital One Venture Rewards.
Capital One’s rental car insurance benefits vary. For some cards, the rental vehicle will be covered if rented for 31 or fewer consecutive days worldwide. For others, rental cars may only be covered for up to 15 consecutive days in your country of residence.
Pro Tip: Call the benefits line for your credit card to verify the details of your rental car and verify coverage. This will make sure that the specific vehicle you’re renting is covered for the entire rental period.
What Are the Annual Fees and APRs for Capital One Cards With Rental Car Insurance?
Since many cards through Capital One offer different benefit tiers depending on creditworthiness, we will focus on comparing the most notable travel cards through Capital One: the Venture Rewards Cards. These cards are only available to customers with excellent credit.
Capital One Credit Card | Coverage in Country of Residence | Annual Fee | APR |
---|---|---|---|
Venture X Rewards | Primary | $395 | 18.99%, 23.99%, or 26.99% variable APR |
Venture Rewards | Secondary | $95 | 18.99%, 23.99%, or 26.99% variable APR |
VentureOne Rewards | Secondary | $0 | 0% APR for the first 15 months, then 17.99% to 27.99% variable APR afterward |
Other Cardholder Benefits Comparison
We will compare the most popular travel credit cards available through Capital One, the Venture Rewards Line. All of these cards have standard protections and security like fraud protection.
Other included benefits:
- No Foreign Transaction Fees
- Emergency Card Replacement
- Capital One Lounge at airports
- Extended Warranty on eligible items
- Travel Accident Insurance
We will compare their mile rewards side-by-side in the next table.
For customers with lots of travel needs, the annual fees for the Venture X Rewards may pay for themselves in rewards. For others, you may want to use the VentureOne Rewards with no annual fee.
Capital One Travel Card | Bonus Miles | Rewards Miles |
---|---|---|
Venture X Rewards | 75,000 bonus miles when you spend $4,000 within the first 3 months of opening account | Earn unlimited 10X miles when you book hotels and rental cars through Capital One Travel. Earn unlimited 5X miles when you book your flight through Capital One Travel. Earn unlimited 2X miles on all other purchases. |
Venture Rewards | 75,000 bonus miles when you spend $4,000 within the first 3 months of opening account | Earn unlimited 2 miles for every dollar spent. Earn unlimited 5 miles for every dollar spent on hotels and rental cars booked with Capital One Travel. |
VentureOne Rewards | 20,000 bonus miles when you spend $500 in the first three months of account opening | Earn unlimited 1.25 miles for each dollar spent on purchases. Earn unlimited 5 miles for every dollar spent on hotels and rental cars booked with Capital One Travel. |
How Do I File a Claim for a Rental Car with Capital One?
It’s important to file a claim with your Capital One credit card company as soon as possible. There’s a limited amount of time following a loss for you to file a claim.
It’s also important to follow these steps before any loss occurs to verify coverage:
- Before renting, verify that your rental vehicle is covered by the credit card’s Auto Rental Collision Damage Waiver. This can be done by calling the benefits line.
- Pay for your rental car using a credit card with the Collision Damage Waiver.
- Refuse any rental car coverage through the rental car company. This will void or minimize the amount covered by the credit card and often costs a lot.
- Inspect the rental car thoroughly for damage before leaving the lot, and report the damage in writing to the rental car company.
For Capital One Mastercards, you can file a claim online or call 1-800-Mastercard within sixty days of the loss. Within 120 days of the incident, you must also submit the following documents.
- Receipt and statement for rental car
- Rental Agreement (all pages front and back)
- Copy of valid driver’s license
- Police reports
- All other documentation requested by claims administrator
For Capital One Visa Cards, you must call the benefits coordinator at 1-800-825-4062 even if fault has not been established. You have a maximum of 45 days following the loss to file the claim with Visa.
Visa will also request the following documentation:
- Rental agreement
- Police Reports
- Copies of repair estimates and itemized bills
- Copy of the demand letter from the rental car company detailing costs
- At least 2 photographs of vehicle damage (if applicable)
- Monthly billing statement demonstrating that you paid for the entire rental cost with the Visa card
- Statement from auto insurance or statement of no insurance
- Any other documentation required by the benefit administrator
Pro Tip: Stay on top of requested paperwork and documentation to ensure the fastest payout of the claim. Responding quickly also lowers the chance that you will run out of time to submit the documentation. Taking too long could result in your claim being denied.
What’s the Best Personal Capital One Card for Rental Car Insurance?
For personal use, the best Capital One Card for Rental Car Insurance is the Capital One Venture X Rewards. The account type for this card is the Visa Infinite, and the complimentary Collision Damage Waiver offers primary coverage.
Primary coverage means that this coverage will pay out before any personal insurance companies, even in your country of residence.
What’s the Best Business Capital One Card for Rental Car Insurance?
For Business use, the Visa Business card Collision Damage Waivers are better than the Mastercard Business Cards. That’s because the Mastercard Auto Collision Damage Waiver won’t cover rental vehicles with an MSRP over $50,000 USD. Visa has a higher cap of $75,000 USD.
Frequently Asked Questions
Does Capital One Venture offer rental car insurance?
Capital One Venture Rewards cards have rental car insurance, also called a Collision Damage Waiver. These cards include Capital One Venture X Rewards, VentureOne Rewards, and Capital One Venture Rewards.
Will Capital One pay for your rental car after an accident?
If you have one of the Capital One credit cards that offers an Auto Rental Collision Damage Waiver, you will be able to file a claim with your benefits administrator and get coverage for a rental car.
How do I know if my Capital One card offers rental car insurance?
Locate your Capital One account type using your statement. Then consult the benefits guide to determine if your credit card offers rental car insurance. You may also call the benefits line and ask.
Resources
(2022). Capital One World Elite Mastercard Guide to Benefits. Capital One. Retrieved December 28, 2022, from https://ecm.capitalone.com/WCM/card/benefits-guide/20210621-updates-to-wmc-world-and-we/mc-we-gtb_english.pdf
(2022). Compare Credit Cards- Comparison Results. Capital One. Retrieved December 28, 2022, from https://www.capitalone.com/credit-cards/compare/results/?brandCodes=VENTUREX,VENTURE,VENTUREONE
(2022). Visa and Mastercard Benefits Guide. Capital One. Retrieved December 28, 2022, from https://www.capitalone.com/credit-cards/benefits-guide/
(2022). Visa Signature Guide to Benefits. Capital One. Retrieved December 28, 2022, from https://ecm.capitalone.com/WCM/card/benefits-guide/visa-benefits-guides/visa-signature-english.pdf

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.