Capital One confirms auto rental collision damage waivers (CDWs) with the majority — but not all — of its cards. Show All of Capital One’s Visa cards offer car rental insurance, but only three of the provider’s Mastercard products have the benefit listed on their application pages. You may receive car rental insurance through Capital One Mastercards on a case-by-case basis, but this isn’t guaranteed. The information in this article covers standard Visa car rental insurance benefits. Visa is the card network for most Capital One products that are confirmed to offer car rental insurance.Mastercard is the card network for the Capital One Platinum Credit Card, Capital One Quicksilver Cash Rewards Credit Card and Capital One Platinum Secured Credit Card, which offer car rental insurance. We don’t cover these cards’ policies in this article. Rather, you can read about them in our guide on Mastercard collision damage waivers. Where is Capital One car rental insurance available?Capital One collision damage waivers are valid in the United States and most foreign countries. However, they’re invalid when you rent in Israel, Jamaica, the Republic of Ireland or Northern Ireland. They’re also invalid when they conflict with laws or violate auto rental agreements or terms of individual merchants. A Capital One Visa card’s auto rental CDW policy reimburses you if:
Coverage is valid for 15 consecutive days in your country of residence and 31 consecutive days internationally. How much am I covered for?You’re covered up to the actual cash value of your rental — that is, how much it costs to replace the vehicle, minus depreciation. What does Capital One car rental insurance not cover?Your Capital One collision damage waiver doesn’t apply to:
There are also many cases in which the auto rental CDW doesn’t apply. For example, it’s invalid if your vehicle is stolen or damaged as a result of a rental agreement violation. It also doesn’t reimburse you if your personal effects are lost or stolen. Where you rent your vehicle determines whether your Capital One collision damage waiver offers primary or secondary coverage.
Your coverage is also affected by whether you have personal auto insurance.
Activating your auto rental collision damage waiver is easy — simply initiate and purchase the entire rental with your eligible Capital One card. Then, decline the CDW the rental company’s representative offers you at the counter. Consider reading the rental agreement to make sure you’re explicitly declining extra coverage. If you don’t decline the rental company’s CDW, your Capital One car rental coverage won’t apply. A rental company representative might say you must purchase coverage. In this case, call your CDW benefit administrator at 800-397-9010. Outside the United States, call collect at 303-967-1093. How to make a claim for Capital One car rental insuranceAs soon as possible, call the Capital One benefit administrator at 800-397-9010 to report the theft or damage. If you’re traveling internationally, call collect at 303-967-1093. If you can’t call immediately, report the theft or damage within 45 days of the incident. What to submit with your claimAsk for the following at the time of the incident, or when you return the vehicle:
Submit the materials above to the Capital One benefit administrator, in addition to the following:
The Capital One benefit administrator gives you 365 days to submit this information. If you have trouble getting all of the material within 90 days of the incident, submit what you have along with the claim form. As an eligible cardholder and the primary renter of the vehicle, you qualify for Capital One car rental insurance. Other drivers you add to the rental agreement also qualify. Capital One offers auto rental collision damage waivers with all of its Visa cards. Only a few Mastercard products are guaranteed to have the feature, according to their application pages. If you’re not sure whether your Capital One card has the benefit, call the support number on the back of your card. If a Capital One card isn’t right for you, consider other cards with car rental insurance. Kevin Joey Chen was a credit cards, banking and investments writer for Finder. His work and analysis have appeared on CNN, U.S. News & World Report, Business.com, Lifehacker and CreditCards.com. More guides on FinderIs the Capital One Spark business Card worth it?Yes, the Capital One Spark Cash is a good card. In fact, it's one of the best business rewards cards. It offers an initial bonus of $500 for spending $4,500 in the first 3 months, as well as 2% cash back on all purchases. It also offers free cards for employees, and they can earn cash back at this same rate.
Does Capital One Spark require personal guarantee?Capital One® Spark® Classic for Business* vs.
That's because the card doesn't require a personal guarantee and instead relies on your company's cash flow and financial backing to determine credit limits.
Does Capital One Spark report to Dun and Bradstreet?When it comes to reporting, the Capital One Spark Cash reports to the personal, but also the major business credit bureaus Dun & Bradstreet, Experian Business, and Small Business Financial Exchange.
Is it hard to get a Capital One Spark business Card?Capital One Spark Classic for Business
This card is also the easiest of the Spark credit cards to qualify for. You will have the best approval odds if you have “good credit” or a 670+ credit score. But it's possible to be approved (after manual review) with a score as low as 620.
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