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Using your acclaim agenda to book a rental car can save you money, and depending on which agenda you have, those accumulation can be multiplied.

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Many acclaim cards action rental car insurance, which can decidedly abate the amount of the rental. Some acquiesce you to redeem your rewards with a rental booking or action admission to exceptional rental car benefits, including discounts and upgrades.

While biking acclaim cards are generally added focused on allowance you account chargeless flights and auberge stays, a agenda with abundant rental car allowances can save you hundreds of dollars on your abutting vacation.

What Car Rental Allowances Do Acclaim Cards Offer?

Depending on what acclaim agenda you have, actuality are some allowances you could booty advantage of back you hire a car:

Rental car insurance. Many acclaim cards action rental car allowance to accord you a little accord of apperception back you travel. To use this benefit, you about allegation to use your agenda to pay for the rental in abounding and abatement the advantage the car rental aggregation provides.

[Read: Best Rewards Acclaim Cards.]

Keep in mind, though, that best acclaim cards action what’s alleged accessory insurance. Before filing a affirmation with accessory rental car insurance, you’ll allegation to do so aboriginal with your claimed auto allowance aggregation and your acclaim card’s advantage will accomplish up the remainder.

If your acclaim agenda offers primary advantage — examples accommodate Chase Sapphire Preferred, Chase Sapphire Reserve and the United Explorer Agenda — you can book a affirmation anon with your card’s allowances provider from the start.

If you accept an American Express acclaim card, you won’t get primary advantage for free, but you can acquirement it for as little as $19.95 for the absolute rental period, or alike beneath in some states. Analyze that with the $10 to $30 per day that you’d pay the car rental company.

“The amount for this exceptional rental car allowance action is actual reasonable,” says Brett Holzhauer, acclaim agenda biographer with claimed accounts blog FinanceBuzz.com. “So if you accept (secondary) coverage, this baby advance could save you potentially bags if article were to go wrong.”

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Rewards redemption. If you accept a accepted biking acclaim card, you may be able to use your credibility or afar to pay for some or all of your rental car booking.

Depending on your card, you may accept one or two options. The aboriginal is to book a rental car through the rewards affairs platform. This advantage is convenient, but you may be bound on the cardinal of companies you can compare, authoritative it tougher to ensure you’re accepting the best price.

[Read: Best Biking Rewards Acclaim Cards.]

The additional advantage is to use your agenda to book anon with the car rental company, again use your credibility or afar to get a abounding or fractional account acclaim adjoin the purchase. This advantage requires added steps, but it gives you a bigger adventitious to amount shop.

If you accept an airline or a auberge acclaim card, it may be accessible to use your credibility or afar to book a rental car. But depending on the accretion amount you get, your rewards may be account added if you use them to book chargeless flights or auberge stays instead.

Premium rental car perks. With some exceptional acclaim cards, you’ll additionally get appropriate allowances that can save you money and time back renting a car. Actuality are a few examples:

— The Platinum Agenda from American Express. Cardholders will accept adulatory associates in exceptional car rental programs with Avis, Hertz and National, which accommodate appropriate upgrades and discounts.

— Chase Sapphire Reserve. You’ll get added allowances with Avis, National and Silvercar, including upgrades, discounts, accumulation on affluence and exceptional car rates, and promotions.

— U.S. Bank Altitude Reserve Visa Infinite Card. As a cardholder, you’ll accept discounts of up to 30% on condoning rentals with Silvercar. You’ll additionally get discounted chauffeured atramentous car account through GroundLink.

— United Club Card. You’ll accept a adulatory Hertz President’s Circle membership, which includes upgrades, admission to absolute cartage and account rewards back you book a Hertz rental car.

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Also, car rental account Alamo offers appropriate benefits, including self-serve check-in and upgrades to World Elite Mastercard acclaim agenda holders.

What’s the Best Acclaim Agenda for Car Rentals?

There’s no distinct best acclaim agenda out there for everyone, and while some acclaim cards accommodate bigger allowances than others, it’s important to analyze anniversary agenda in its absoluteness instead of zeroing in on one feature.

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Here are some things to anticipate about as you chase for the best acclaim agenda for car rentals.

Annual fee. Many of the acclaim cards that action discounts and upgrades allegation abrupt anniversary fees.

If you consistently hire cars and angle to save hundreds or alike bags of dollars every year, you ability be able to absolve advantageous an anniversary fee of a few hundred dollars.

“Think about how you like to biking and which of the allowances assignment best for you,” says Lee Huffman, columnist of the biking blog BaldThoughts.com. “The sign-up bonuses on exceptional acclaim cards usually beat the aboriginal year’s anniversary fee, but what happens back it is time to renew the agenda for year two and beyond?”

Limitations. Acclaim cards that action exceptional rental car allowances alone accommodate them with baddest car rental companies. And while you may authorize for discounts and upgrades with those companies, you may still end up advantageous added than if you were to hire through a lower-cost option.

[Read: Best Acclaim Cards for Fair Credit.]

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At the end of the day, accepting the cheapest car accessible is Holzhauer’s better priority. “While I do accept exceptional rental car allowances through cards like my American Express Platinum, I never use them,” he adds.

If you end up consistently allotment a altered car rental aggregation to get the best savings, the card’s car rental allowances may accommodate little to no absolute benefit.

Coverage type. If you’re attractive for a acclaim agenda with accomplished rental car insurance, analysis to see whether it offers primary or accessory insurance.

Remember, accessory allowance requires you to book a affirmation with your claimed auto allowance aggregation first, which can accession your premiums. “Secondary rental car advantage is nice, but it will alone pay for your own insurance’s deductible back there is agent damage,” says Huffman, additional annihilation abroad your insurer doesn’t cover.

On the cast side, a acclaim agenda that offers primary allowance skips that footfall and acts as the primary insurer. While you don’t allegation primary allowance through your acclaim agenda to abstain affairs the car rental company’s coverage, it can save you some time and money if you allegation to accomplish a claim.

Also, agenda that acclaim agenda rental car allowance doesn’t accommodate accountability protection. “If you alone accept minimum accountability allowance on your claimed vehicle, be abiding to accede purchasing added protection,” says Holzhauer.

Redemption options. Many altered types of biking acclaim agenda rewards programs acquiesce you to use credibility or afar to book a rental car. But if you appetite to use your rewards to awning the amount and use your card’s rental car allowance coverage, your options are limited.

Also, you may be appropriate to book with a biking aperture to get the accomplished amount from your points, and not all rental car options may be accessible through the portal. At the aforementioned time, some cards action adulatory upgrades, so you may be able to book the agent chic beneath the one you appetite and get your adopted chic for less.

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