Which credit card should I use for car rental?

Best credit cards for car rentals in 2023
  • Capital One Venture X Rewards Credit Card: Best card for car rental insurance.
  • Chase Sapphire Reserve®: Best earn rate for renting cars.
  • Chase Sapphire Preferred® Card: Best low-annual-fee card for renting cars.
  • Chase Freedom Unlimited®: Best no-annual-fee card for renting cars.




People Also Ask

Credit cards vs debit cards Companies prefer credit cards because it proves to them you're not a financial risk; their costs will be covered as they can recover part or all of the deposit if needed. With a debit card, the company cannot pull money from a bank account if it has insufficient funds.

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Why Rental Car Companies Avoid Debit Cards. Many rental car companies prefer not to let customers use debit cards because it increases the risk they take on when renting to you. Unlike a credit card, a debit card only has as much money on it as you put in your bank account.

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Why Rental Car Companies Avoid Debit Cards. Many rental car companies prefer not to let customers use debit cards because it increases the risk they take on when renting to you. Unlike a credit card, a debit card only has as much money on it as you put in your bank account.

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Some car rental agencies may review your credit report if you want to rent a car with a debit card, which could negatively impact your scores. Also, if you rent a car and wind up owing the rental agency money—and don't pay what you owe—the agency could send your account to collections, which may also hurt your scores.

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  • Interest charges. Perhaps the most obvious drawback of using a credit card is paying interest. ...
  • Temptation to overspend. Credit cards make it easy to spend money — maybe too easy for some people. ...
  • Late fees. ...
  • Potential for credit damage.


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If you or your landlord are not enrolled with a rent-reporting service, your rental payments will not make it to your credit reports. However, if you and your landlord have enrolled with a rent-reporting service, your monthly rental payments will be reported to credit bureaus and will appear on your credit report.

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Rental companies that let you rent a car without a credit card
  • Alamo. In addition to the usual credit cards, Alamo also accepts debit cards and good old fashioned cash to rent a car (prepaid cards are not accepted). ...
  • Avis. ...
  • Budget. ...
  • Dollar. ...
  • Enterprise. ...
  • Hertz. ...
  • National. ...
  • Payless.


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American Express®, Discover Network®, MasterCard®, and Visa® credit cards are accepted at our non-airport Locations, located within the United States and Puerto Rico. At the time of rental, the estimated total amount for the rental will be charged to the credit card provided by Renter.

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