Chase Ink Car Rental Coverage: Everything You Need To Know

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Chase has one of the best portfolios of business credit cards, which offer just about everything I look for in credit cards — great welcome bonuses, big spend category bonuses, and useful perks. In this post I wanted to specifically focus on one aspect of the cards that’s especially generous, though first let’s talk a bit about the cards in general.

The Ink small business cards have great welcome bonuses

These three cards offer the following welcome bonuses:

These are among the best bonuses we’ve seen. I consider the 80,000 point welcome bonus on the Ink Preferred to be the single best welcome bonus out there right now (I value 80,000 Ultimate Rewards points at $1,360), while I consider the 50,000 point welcome bonuses on the Ink Cash and Ink Unlimited to be the best bonuses right now on no annual fee cards.

Best of all, you’re potentially eligible for all three of the cards. For example, my dad has managed to acquire all three of these cards over the past several months.

The Chase Ink Cards offer bonus points in a variety of categories

Not only do the cards have great welcome bonuses, but they have some of the best bonus categories of any business cards:

  • The Ink Business Preferred℠ Credit Card offers 3x points on the first $150,000 of combined purchases per cardmember year on travel, shipping purchases, internet, cable, phone services, and advertising purchases made with social media sites and search engines
  • The Ink Business Cash℠ Credit Card offers 5x points on the first $25,000 of combined purchases per cardmember year on office supply stores, internet, cable TV, mobile phones, and landlines, and 2x points on the first $25,000 of combined purchases per cardmember year on restaurants and gas stations
  • The Ink Business UnlimitedSM Credit Card offers 1.5x points on all purchases

Since you can get multiple of these cards (and only one card has an annual fee), this is potentially a way to stack several great bonus categories to earn 1.5-5x points per dollar spent.

All three Chase Ink Cards offer the same car rental coverage

Hopefully the above demonstrates how great the welcome bonuses and bonus categories on these cards are. In this post I wanted to focus on one of the most useful perks offered by all three of these cards.

One common credit card benefit that people look for is auto rental CDW (collision damage waiver). What’s pretty remarkable is that the Ink Business PreferredInk Business Cash, and Ink Business Unlimited all offer primary car rental coverage. Getting this level of coverage from a no annual fee card is extremely rare, so I think the Ink Cash and Ink Unlimited are excellent options for anyone who wants a business card that offers solid car rental coverage.

It’s worth understanding that auto CDW is different from car rental insurance. CDW provides reimbursement for damages due to collision or theft up to the actual cash value of most rental vehicles. This includes physical damage and/or theft of covered rental vehicles, loss-of-use charges assessed by the rental company while the damaged vehicle is being repaired, and reasonable towing charges related to a covered loss.

This policy doesn’t cover any injuries or damage to other cars, so this isn’t the same thing as having a rental car insurance policy (which is something that virtually no card offers).

The Chase Ink Cards offer primary car rental coverage

The Chase Ink Cards offer primary coverage when renting for business purposes, which means you don’t have to file a claim with any other source of insurance before you can receive coverage under this benefit.

Furthermore, the cards also offer primary coverage if renting outside your country of residence for personal reasons, or if you don’t have automobile insurance. The only time that coverage would be secondary is if you’re renting in your country of residence for personal reasons and have automobile insurance, in which case the coverage only supplements insurance or reimbursement from any other sources.

How to make sure you’re eligible for Chase Ink Card car rental coverage

In order to be eligible for this benefit, you need to initiate and complete the entire rental transaction using your card that is eligible for the benefit, and you need to decline the rental company’s collision damage waiver or similar provision. If you were to accept the waiver offered by the rental company, you would not be eligible for this benefit.

It’s also worth emphasizing once again that in order to get primary coverage you need to either be renting for business reasons (anywhere globally), or renting outside your country of residence for personal reasons, or not have automobile insurance.

When and where you are covered with Chase Ink Card car rental coverage

Cardmembers who are also the primary person listed on the rental agreement are entitled to this benefit, along with any additional drivers permitted to drive, according to the rental agreement.

The benefits are only valid for rentals of up to 31 days, and certain types of cars are excluded, including expensive, exotic, and antique automobiles, certain vans, vehicles that have an open cargo bed, trucks, motorcycles, mopeds, motorbikes, limousines, and recreational vehicles.

How to file a Chase Ink Card car rental claim

After an incident has occurred, you’ll want to contact the benefit administrator, which you can do by dialing the number on the back of your card, and they can connect you.

Incidents should be reported as soon as possible, though must be reported no later than 60 days following the date of the incident. You’ll then have to submit quite a bit of paperwork, including the following (in this case I’ll just copy and paste the guide to benefits):

  • The completed and signed Auto Rental Collision Damage Waiver Claim Form: Your completed claim form must be postmarked within one hundred (100) days of the date of theft or damage, even if all other required documentation is not yet available. If your claim form is not postmarked within this time frame, your claim may be denied.
  • A copy of your receipt or monthly billing statement showing that the entire vehicle rental was charged to and paid for with your eligible card.
  • A written confirmation from your employer that the rental was primarily for business purposes.
  • If the rental was for personal use, enclose a statement from your insurance carrier showing the costs for which you are responsible and any amounts that have been paid toward the claim. Or, if you have no applicable insurance, please provide a notarized statement to that effect.
  • A copy of the declaration page from your primary automobile insurance carrier if the rental was for personal use.

Also, enclose all the documents you received from the car rental company. You should ask the rental company for these documents immediately at the time of the theft or damage or when you return the vehicle to the company:

  • A copy of the Accident Report Form and claim document: this should indicate the costs you are responsible for and any amounts that have been paid toward the claim.
  • A copy of the entire auto rental agreement(s)
  • A copy of the repair estimate or itemized repair bill
  • Two (2) photographs of the damaged vehicle, if available
  • A police report, if obtainable
  • Any other documentation deemed necessary, in the Benefit Administrator’s sole discretion, to substantiate the claim

Once the documents are submitted, you’ll typically be paid within 15 days.

Bottom line

The car rental coverage offered by the Ink Business PreferredInk Business Cash, and Ink Business Unlimited, is among the best you’ll see on any business card. It’s especially noteworthy on the two no annual fee cards, since it’s rare you see such a benefit on a no annual fee card. Best of all, this benefit doesn’t just cover business rentals, but also covers personal rentals when outside your country of residence.

I should also mention that you’ll want to consult your cardmember agreement if you’re thinking of using this benefit, so you can be sure you know every little detail, and also since these benefits are always subject to change.

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Comments

  1. I’ve got the old Ink Bold cc. Do you know if coverage is the same as for the newer Ink cards?

  2. What if you use your UR points tied to the Ink card to book a rental car via the UR portal? Would the coverage be the same as if you paid using the Ink card?

  3. I think you better go back and reread the T&Cs.

    AFAIK its only Primary on Intl rentals and secondary for US rentals unless the card holder doesnt own a car = doesnt have any auto ins policy. At least that what it states in my INK booklet I got when they switched me from Bold MC to the Ink Visa and when I called and asked I was told all INKs are the same.

    If I was told wrong info and indeed theres an INK that has Primary in the US even if you own a car and have auto ins, please tell me in a reply if in fact those you listed are Primary

  4. @ isaac — By all means tell me if you have a different read on it, but directly from the benefits guide:

    “The Auto Rental CDW benefit provides reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles. It is primary coverage which means you do not have to file a claim with any other source of insurance before you can receive coverage under this benefit while renting primarily for business purposes, renting outside your country of residence for personal reasons or if you do not have automobile insurance. Within your country of residence, if you are renting for personal reasons, Auto Rental CDW is secondary coverage which means it supplements, and applies in excess of, any valid and collectible insurance or reimbursement from any source. It does not duplicate insurance provided by or purchased through the auto rental company. Auto Rental CDW will not pay for theft or damage reimbursable by your own insurer, employer, employer’s insurance, or any other valid and collectible reimbursement. However, this benefit will pay for the outstanding deductible portion or other charges, including valid administration and loss-of-use charges not covered by your applicable automobile insurance policy.”

  5. @ BT — I’m not positive, but I believe the coverage would be the same. You’ll want to check your cardmember agreement to be sure, though.

  6. @lucky in my Chase Ink Pus and Visa Signature Biz booklet it says what you posted but as you posted ” Within your country of residence, if you are renting for for personal reasons, Auto Rental CDW is secondary coverage….” while the Personal Visa Signatures says its secondary in your country of residence if you have auto ins eg new Hyatt CC

    Now Id hate to use the INK on a personal rental and then have to prove that in fact I was on a biz trip, when in fact I wasnt.That could be a very costly out of pocket expense or having to turn to ones auto ins company and explain why it took so long to do so and hope the rental company doesnt mention anything about Chase declining it to your ins company

    So as long as a person is on a biz trip and no MSing isnt a biz trip,LoL. So could be a weekend may be called into question and less likely a week long trip, except to a resort or reg vacation destination. Heading out on a holiday weekend,Im sure some folks work but 99.9 dont

    Of cause if a person doesnt own a car then no auto ins and its Primary no matter what

    I think not sure that Amex Plat is the only CC that offers Primary no matter what,I dont carry it so cant confirm that. Citi TY has just removed any loss of rental reimbursement along with any fees the rental company assess

  7. thusly Ink will be Primary if and only if 1- its a biz trip,2- any Intl trip 3- you dont have auto ins

    which isnt what you posted in your OP, you gave the impression that Ink is Primary all the time and thats not true

    hate for someone to use Ink and get in an accident only to find out they arent covered as you said and only after a long delay end up reporting it to their ins company, who will want to know why they waited so long to report it

  8. I just saw where in FACT you do say its Secondary on personal rentals in your home country. Please Delete my post above @ 4:31

    My bad dont know how I missed that but I did but I would have Bolded that in the original post to make sure folks dont miss it.

    I thought Citi’s $450 fee CC had it but its like Chase, Citi told me its all Primary when I got the card and read the booklet I called and CXed the card

    Do you know of any CC that has Primary no matter what?

  9. @isaac “the Personal Visa Signatures says its secondary in your country of residence if you have auto ins” fyi the CSR is a personal Visa Infinite Card & provides primary coverage both in the US and Intl. sure have saved a LOT of $ with Mexico rentals with this feature & a letter from Chase indicating such!

  10. Many Chase personal Visa Signature cards offer Primary coverage inside US if that is your country of residence.

    UA Explorer comes to mind. CSP is a Visa Signature and it too, provides primary coverage within US.

    You have made 4 or 5 comments but they are mostly incorrect, unfortunately, because you totally misread what Lucky wrote, and even mistread what the benefit booklet wrote.

  11. @fll I didnt misread the Visa booklets that I was sent, where it syas that Primary CDW doesnt apply if Im renting for a non-Biz rental in the US. Nor that the INK CDW is Primary in the US if its a Biz rental.

    I dont have a Sap CC or UA CC and unfortunately both are 5/24s which leaves me out for now, till Sept I dont have a car under my own name so I have coverage with any CC, but comes late Sept that most likely will change and thusly my hunt for a CC that I wont be declined due to 5/24

  12. Does anyone know if coverage also applies to authorized users/employees? Or is it only the primary cardholder? Also, how do you prove that a rental is for business purposes? do they require documentation or something?

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