Chase Sapphire Reserve: primary rental car insurance
What the Chase Sapphire Reserve's primary rental car insurance covers as its issuer summarises it, which cards with dated benefits list the same thing for a lower fee, and whether the card's rewards pay its fee before the benefit is counted.
Read this first
This list comes from each issuer's benefit summary, read on the month shown beside each card. Summaries leave out the exclusions, the claim limits per year and the conditions — often that the whole trip or purchase has to go on the card — so read the card's full guide to benefits before you rely on one. 77 of the 118 cards in the catalogue have no benefits recorded here yet and are left out, so a card missing from this list may still have it.
What the summary says
Primary rental car coverage and strong trip protections
The summary states no limit for it. That means none was written down, not that there is none — the guide to benefits has the figure.
Read from the issuer's benefit summary 2026-09.
Who it is worth it for
If primary rental car insurance is the reason you are looking at the Chase Sapphire Reserve, the Chase Sapphire Preferred lists it too, with an annual fee of $95 — $700 a year less. What the difference buys is the rest of the Chase Sapphire Reserve: its rewards and the other benefits below. Compare the two summaries before deciding they are the same cover.
On rewards alone, the illustrative household spending $2,205 a month (the assumption, in full) earns about $799 a year on the Chase Sapphire Reserve, or $4 once its $795 fee is paid. So the rewards pay the fee before this benefit is counted: for somebody who spends like that household, the benefit comes on top.
Every card here with primary rental car insurance
| Card | Annual fee | What the summary says | Read |
|---|---|---|---|
| $95 | Primary rental car collision coverage |
2026-09 | |
Chase Sapphire Reserve (this card) |
$795 | Primary rental car coverage |
2026-09 |
The Chase Sapphire Reserve's other dated benefits
- Purchase protection — up to $10,000 per claim, 120 days
- Extended warranty
- Priority Pass lounges
- Global Entry / TSA PreCheck
- Roadside assistance
- Concierge
What the Chase Sapphire Reserve earns, category by category · Every card with primary rental car insurance · How the data here is kept