Does Apple Card Cover Car Rental Insurance?

Wondering if your new Apple Card Cover Car Rental Insurance? We’ve got the answer.

The short answer is no—Apple Card does not cover car insurance. So if you’re using Apple Card to pay for your rental car, you’ll need to purchase insurance from the rental company or another source.

What is Rental Car Insurance?

Card Rental car insurance is a type of insurance that covers the damage and theft of a rental vehicle. It usually covers the vehicle up to its actual cash value, which is the replacement cost minus depreciation.

To get coverage from a credit card’s policy, the cardholder must decline the rental agency’s insurance plan.

Most credit cards that offer rental car insurance will provide coverage for damage due to collision or theft. However, there are some restrictions and exclusions that you should be aware of.

For example, many policies exclude coverage for luxury or sports cars, vans, trucks, and SUVs. And most policies will only provide coverage if the entire cost of the rental is charged to an eligible credit card. So if you’re paying for part of the rental with cash or another type of payment, you probably won’t be covered.

Which Credit Card Policies Cover Rental Cars?

Here are a few examples of credit card policies that do provide rental car insurance:

Chase Sapphire Reserve®: This card provides primary rental car insurance, which means it will pay out before your auto insurance if you use it to pay for the entire rental and decline the rental agency’s collision damage waiver.

There are a few restrictions, including a limit of 31 days for rentals in the U.S. and 21 days for international rentals, as well as a maximum of $75,000 coverage per rental agreement.

What to do if You Need Rental Car Insurance

If you don’t have rental car insurance and need it, your best bet is to purchase a policy from the rental company. This will be more expensive than if you had coverage from your credit card, but it will give you the peace of mind of knowing that you’re fully protected in case of an accident or


In short, if you have an Apple Card and you want to rent a car, be aware that you will need to find other insurance coverage since the Apple Card does not cover rental car insurance. Most other credit cards do offer this benefit, so if you have another credit card that you can use for your rental, you may be covered!

As always, be sure to read the fine print of your credit card agreement to know for sure what is and is not covered by your card’s benefits.

Do you have an Apple Card? Have you ever used it to rent a car? Let us know in the comments below!

Dhiraj Jha is a personal finance and credit card expert dedicated to providing valuable insights and advice on budgeting, saving, investing, and debt management.

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