Credit cards with rental car coverage.

Excluded: Not listed on the coverage page; the certificate of insurance has them.

To use it: Charge the full rental to the card and decline the rental company's CDW, LDW or similar option. You must be allowed by law and by the rental agreement to drive the car.

Whether it pays first or after other insurance is in the certificate, not on the coverage page.

Excluded: In the certificate of insurance.

To use it: Charge the full rental to the card and decline the rental company's CDW, LDW or similar option.

The limit and days are on American Express's coverage page; the certificate has the exclusions.

Excluded: In the certificate of insurance.

To use it: Charge the full rental to the card and decline the rental company's CDW, LDW or similar option.

American Express's page names the coverage without the numbers; the limit and days are from Rewards Canada.

Excluded: Not listed on the coverage page; the certificate of insurance has them.

To use it: Charge the full rental to the card and decline the rental company's CDW, LDW or similar option.

To use it: Charge the full rental to the card and decline the rental company's CDW, LDW or similar option.

From Rewards Canada; we did not read American Express's document for this card.

To use it: Charge the full rental to the card and decline the rental company's CDW, LDW or similar option.

From Rewards Canada; we did not read American Express's document for this card.

Excluded: Cars the certificate lists as not covered.

To use it: Decline the rental company's CDW and pay the full rental, taxes and fees included, with the card (or entirely with Avion points). If the rental agreement gives no way to decline, it covers only up to that CDW's deductible.

Car sharing: Car sharing counts when the card pays for it in full.

RBC's summary gives the 48 days and the conditions but no dollar limit (up to the car's actual cash value); the $65,000 limit is from Rewards Canada.

To use it: Decline the rental company's CDW and pay the full rental with the card.

From Rewards Canada; we did not read RBC's document for this card.

To use it: Decline the rental company's CDW and pay the full rental with the card.

From Rewards Canada; we did not read RBC's document for this card.

Not in Rewards Canada's list of cards with rental car coverage, and we found none in RBC's material. Ask RBC before you count on it.

Excluded: Vans built for more than 8 people, trucks, campers, off-road vehicles (from the certificate's rental car definition).

To use it: Decline the rental company's CDW and pay the full rental with the card.

The limit is from Rewards Canada: the part of TD's document we could read stops before the rental car section.

Excluded: Vans and cargo vans, trucks and pickups, off-road vehicles, motorcycles, antique and exotic vehicles (for example Aston Martin, Lotus).

To use it: Decline the rental company's CDW and pay the full rental with the card. Report a claim within 48 hours.

Excluded: Vans and cargo vans, trucks and pickups, off-road vehicles, motorcycles, antique and exotic vehicles (for example Aston Martin, Lotus).

To use it: Decline the rental company's CDW and pay the full rental with the card.

To use it: Decline the rental company's CDW and pay the full rental with the card.

From Rewards Canada; we did not read TD's document for this card.

Excluded: Over the MSRP limit, and the certificate's list of excluded vehicles.

To use it: Only the cardholder rents and declines the rental company's CDW or LDW; the full rental, taxes included, goes on the card. One rental car at a time.

A full calendar day between rentals restarts the 48 days.

To use it: Decline the rental company's CDW or LDW and put the full rental on the card.

From Rewards Canada; we did not read CIBC's document for this card.

To use it: Decline the rental company's CDW or LDW and put the full rental on the card.

From Rewards Canada; we did not read CIBC's document for this card.

To use it: Decline the rental company's CDW or LDW and put the full rental on the card.

From Rewards Canada; we did not read CIBC's document for this card.

To use it: Decline the rental company's CDW or LDW and put the full rental on the card.

From Rewards Canada; we did not read CIBC's document for this card.

Excluded: Vans and cargo vans (minivans are fine), trucks and pickups, limousines, off-road vehicles, motorcycles, trailers, campers, RVs, buses, hand-made or limited-production vehicles, antique vehicles, tax-free cars.

To use it: Only the cardholder rents and declines the rental company's CDW or LDW; the full rental, taxes included, goes on the card.

Car sharing: Traditional car sharing counts; car dealerships and peer-to-peer car sharing companies do not.

Not when your own auto insurance pays for a replacement car.

Excluded: Vans and cargo vans (minivans are fine), trucks and pickups, limousines, off-road vehicles, motorcycles, exotic vehicles (for example Porsche, Ferrari, Lamborghini), hand-made or limited-production vehicles, antique vehicles.

To use it: Only the cardholder rents and declines the rental company's CDW or LDW; the full rental, taxes included, goes on the card.

Car sharing: Car sharing programs count as rental agencies.

Not when your own auto insurance pays for a replacement car.

Excluded: Expensive or exotic vehicles, vans (minivans are fine), pickups, off-road vehicles, motorcycles, RVs, antique, hand-made or limited-production vehicles.

To use it: Start the rental with the card, rent in your name, decline the rental company's CDW or LDW and charge the full rental to the card (Scene+ points may pay part).

Car sharing: Car sharing counts when each use is charged to the card; online marketplaces renting privately owned cars are not car sharing.

Read in Scotiabank's certificate for the Passport Visa Infinite+ card (effective July 1, 2021); Rewards Canada gives the same limit for the Passport Visa Infinite.

To use it: Decline the rental company's CDW or LDW and charge the full rental to the card.

From Rewards Canada; we did not read Scotiabank's document for this card.

Excluded: Exotic makes (Ferrari, Morgan, Aston Martin, Porsche, Bentley, Jensen, Rolls-Royce, Lamborghini, Sterling, Daimler, Lotus, TVR, Maserati, Excalibur), vans (minivans are fine), trucks, off-road vehicles, motorcycles, RVs, antique, hand-made or limited-production vehicles.

To use it: Decline the rental company's CDW or LDW and charge the entire rental to the card.

Car sharing: Car sharing counts when each use is charged to the card.

Not when your own auto insurance or the repair shop pays for a replacement car. Read in the certificate dated October 2013.

Excluded: Trucks and pickups, campers and trailers, off-road use, motorcycles, antique vehicles, RVs, limousines; vans unless for private use, 8 seats or fewer and not for hire.

To use it: Decline the rental company's CDW or LDW; if the agreement has no space for it, write "I decline the CDW provided by the rental agency". Charge the full rental, taxes and fees included, to the card.

Car sharing: Car sharing clubs can count as rental cars.

Pays only what other insurance does not. No extra rental fees for a replacement car.

To use it: Decline the rental company's CDW or LDW and charge the full rental to the card.

From Rewards Canada; we did not read BMO's document for this card.

To use it: Decline the rental company's CDW or LDW and charge the full rental to the card.

From Rewards Canada; we did not read BMO's document for this card.

To use it: Decline the rental company's CDW or LDW and charge the full rental to the card.

From Rewards Canada; we did not read BMO's document for this card.

To use it: Decline the rental company's CDW or LDW and charge the full rental to the card.

From Rewards Canada. An older BMO AIR MILES World Elite Mastercard has its own certificate: check it.

To use it: Pay the whole rental with the card or its points; a partial payment does not qualify.

From Milesopedia and Rewards Canada (certificate 713705-10); we did not read National Bank's document.

Excluded: Exotic or rare makes (Aston Martin, Bentley, Bricklin, Daimler, DeLorean, Excalibur, Ferrari, Jensen, Lamborghini, Lotus, Maserati, Porsche, Rolls-Royce). The certificate says BMW, Cadillac, Lincoln and Mercedes-Benz are covered when they meet the other conditions.

To use it: Book and pay with the card in your own name, and decline the rental company's CDW (write "I decline CDW provided by this merchant" if there is no box). If you take the rental company's CDW, it pays only up to that deductible.

Car sharing: Car sharing programs count; online marketplaces renting privately owned cars do not.

Not when your own auto insurance pays for a replacement car.

To use it: Pay with the card in your own name and decline the rental company's CDW.

From Rewards Canada; Desjardins' auto rental certificate lists a "Cash Back World" card with the same terms as the Odyssey World Elite.

HSBC Bank Canada became part of RBC in 2024 and its credit cards were replaced by RBC cards. Use the guide of the RBC card you now hold.

Excluded: Trucks, vans and cars over the value limit.

To use it: Rent in your name, decline the rental company's collision or loss damage waiver and pay the full rental with the card. One rental car at a time.

To use it: Decline the rental company's damage waiver and pay the full rental with the card.

From Rewards Canada; we did not read Tangerine's document for this card.

Not in Rewards Canada's list of cards with rental car coverage. Ask Simplii before you count on it.

To use it: Charge the full rental to the card and decline the rental company's damage waiver. Your account must be in good standing.

PC Financial's benefits guide gives the 31 days and the conditions; the $65,000 limit is from Rewards Canada.

To use it: Charge the full rental to the card and decline the rental company's damage waiver.

From Rewards Canada; we did not read Rogers Bank's document.

Excluded: In section 5 of the certificate.

To use it: In section 5 of the certificate.

The limit and days are from Brim's summary of benefits (certificates as of May 22, 2026); the full section was cut off where we read it.

To use it: Charge the full rental to the card and decline the rental company's damage waiver.

From Rewards Canada; we did not read Neo's document.

Excluded: Vans, trucks, campers and trailers, off-road vehicles, motorcycles, expensive or exotic vehicles, antique vehicles, RVs, leased vehicles.

To use it: Decline the rental company's collision damage waiver; if the rental company offers none, this benefit does not apply. The rental agreement must not be renewable past 31 days.

Excluded: Antique cars, cargo vans, trucks other than pickups, motorcycles, limousines, RVs, passenger vans for more than 9 people; cars not rented from a rental company.

To use it: Start and pay the whole rental with the card and decline the rental company's CDW or LDW (taking it cancels the benefit).

Read in a copy of Chase's guide to benefits hosted by WalletHub, not on Chase's site; the card's 2025 refresh may have changed it.

Excluded: Aston Martin, Bentley, Bugatti, Ferrari, Lamborghini, McLaren, Maybach, Pagani, Rolls-Royce; motorcycles, RVs, limousines, cargo vans, passenger vans for more than 12 people.

To use it: Pay the whole rental with the card and decline the rental company's CDW or LDW.

From a third-party summary (Your Mileage May Vary, July 2026); we did not read Chase's guide.

Excluded: Expensive, exotic and antique vehicles, trucks, open-bed vehicles, limousines, motorcycles, RVs, most vans.

To use it: Pay the whole rental with the card and decline the rental company's CDW or LDW.

15 days when you rent in your own country, 31 outside it. From third-party summaries; we did not read Capital One's guide.

To use it: Pay with the card and decline the rental company's damage waiver. Optional Premium Car Rental Protection (a fee for each rental) pays first instead.

From third-party summaries; each card's benefit guide is listed on American Express's page.

To use it: Decline the rental company's collision or loss damage waiver.

Secondary in the US, primary outside it (a rental in Canada is outside the US). From NerdWallet; we did not read Citi's guide.

To use it: Decline the rental company's collision or loss damage waiver.

Secondary in the US, primary outside it. From NerdWallet; we did not read Citi's guide.

To use it: Decline the rental company's collision or loss damage waiver.

Secondary in the US, primary outside it. From NerdWallet; we did not read Citi's guide.