Offer proof of insurance. While credit cards typically provide some insurance coverage for a rental car, debit cards do not. That means you may have to show that you have sufficient coverage or purchase more from the rental company.

Almost certainly no. While many premium credit cards offer "Collision Damage Waiver" (CDW) or rental insurance as a standard perk, it is extremely rare for a debit card to provide any form of rental car insurance. If you rent a car using a debit card, you will typically be required to show proof of your own personal auto insurance or purchase the expensive "loss-damage waiver" directly from the rental company. Furthermore, many rental companies will place a significant "hold" on your checking account (often $200–$500 plus the cost of the rental) if you use a debit card, and they may even perform a "hard" credit check. To avoid high costs and ensure you are covered in an accident, it is always recommended to use a travel-focused credit card for car rentals rather than a debit card.