Why is it hard to rent a car with a debit card?

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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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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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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In the United States and Canada, debit or check cards can be used at the end of the rental for payment of rental charges. Prepaid debit/gift cards are also accepted as a form of payment at time of car return.

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Car hire without a credit card Here at SIXT we also accept American Express, Visa, Mastercard, Diners Club, JCB and Discover Debit Cards for your UK rental and deposit, as long as: your card is valid at the time of pick-up and issued in the name of the main driver.

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We may place an authorization amount of up to US$ 200.00 for credit card and US$ 500.00 for debit card, plus the estimated charges on a customer's card, given certain conditions that will be outlined at time of rental.

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NerdWallet's Best Credit Cards for Rental Cars of November 2023
  • Chase Sapphire Preferred® Card: Best for General-purpose travel card.
  • Chase Sapphire Reserve®: Best for Premium travel card — perks.
  • Capital One Venture X Rewards Credit Card: Best for Premium travel card — value.


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Rental Qualifications and Requirements. You must pay Hertz for all charges with a credit, Visa/Mastercard debit or charge card that is accepted at the pick up location (Card) or by cash.

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Rental Qualifications and Requirements. You must pay Hertz for all charges with a credit, Visa/Mastercard debit or charge card that is accepted at the pick up location (Card) or by cash.

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You can use most credit cards. Debit cards need to be connected to VISA or MasterCard. Electronic card may also be used when you prepay your rent (pay now), just remember that you need to present both the electronic card PLUS a valid bank or credit card at the time of pick-up.

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CAN I PAY FOR THE RENTAL OF A CAR FOR ANOTHER INDIVIDUAL? The renter of the vehicle must be present to sign the rental agreement and provide their credit card at the time of pick up. The renter cannot provide a credit or debit card belonging to someone else for their use.

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Alamo, Avis, Budget, Enterprise, Hertz, & Sixt all allow you to rent a car with a debit card. Renting a car with a debit card is more difficult than renting with a credit card thanks to additional steps and requirements set forth by the rental agency.

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In general, it never hurts to let your card issuer know about larger purchases ahead of time. If you don't, there won't be any major consequences; at most, the issuer may put a hold on the transaction until you verify by call or text.

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Debit cards are accepted when renting in the UK. Some other countries may only accept credit cards unless you have pre-paid for your rental, in this instance you will need to show the debit card used to pre-pay and must also have a credit card for the purpose of a deposit.

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All renters must produce a valid photo ID such as driving licence, passport or ID card. Visitors to the UK must also provide proof of return travel and accommodation information while in the UK. A major debit or credit card is required to cover the the security deposit and the cost of the rental.

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Sure, you can rent a car with your First Premier credit card, as it is a Mastercard. So, you can be sure it'll be accepted anywhere a Mastercard is accepted, i.e. in more than 11 million locations in the US and in more than 210 countries, globally.

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The cards accepted in the phase of the pick-up of the vehicle are those belonging to the main networks: DINERS, VISA, MASTERCARD, AMEX. Prepaid, revolving and PayPal cards are not accepted. Visa Electron cards are accepted exclusively if issued by bank networks (no Postepay).

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How much is the security deposit for a Hertz rental? A $200 refundable security deposit is collected and held by Hertz on your credit card or debit card when you pick up the car. The deposit is returned when you stop renting the vehicle and return the car.

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