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Is Amex Platinum car rental primary or secondary?

The Amex Platinum card comes with secondary car rental insurance¹ at no additional charge. Since this free coverage isn't primary, you'll need to file a claim with your auto insurance provider before Amex's rental coverage kicks in.



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Who is covered? AmEx's rental car insurance protects more than the cardholder. As defined in the guide to benefits, an eligible renter for collision insurance is a card member with an eligible card, their spouse or partner and any authorized drivers.

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As a Platinum Cardmember enrolled into the Hertz Gold Plus Rewards? loyalty programme, you will enjoy a range of exclusive benefits at participating locations across the world: Up to 15% discount off standard rates, and up to 25% off Prestige Collection vehicles. One car-class upgrade whenever possible.

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As a Platinum Cardmember, Avis invite you to join the Avis Preferred programme. What's more, the Avis Preferred experience will be made even more special for Platinum members with: Complimentary 1 car-class upgrade whenever possible.

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Car rental elite status
  • Avis Preferred Plus. Cardmembers can enroll to get Avis Preferred Plus status (which typically requires 12 rentals or spending $5,000 in a calendar year). ...
  • Hertz Gold Plus Rewards President's Circle. ...
  • National Car Rental Emerald Club Executive.


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Most major rental car companies allow you to book and pay for your car without a credit card. Accepted payment methods include debit cards, while a few will allow cash and money orders for payment.

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No credit check: Car rental companies take on a certain amount of risk by renting vehicles, and a credit card gives them peace of mind. Your credit card may provide rental benefits: Credit card rental discounts and additional insurance protection are common perks of renting a vehicle using some major credit cards.

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The Platinum Card from American Express With a single card, you'll receive complimentary benefits with three different car rental companies: National, Avis and Hertz, though enrollment is required. With National, you'll receive National Emerald Club Executive status.

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Head to the American Express Travel site making sure you're logged in, search for your desired car hire preference, select the most suitable Hertz option and then when it asks you, insert the Hertz Membership number you were given at enrolment, book using your Preferred Rewards Gold Card.

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Yes, the American Express® Gold Card is considered a luxury card since it's a metal card with premium rewards on dining, groceries, and travel.

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