American Express Business Platinum Rental Car Coverage: Up to $75,000 Secondary CDW (2026)

American Express Business Platinum provides secondary rental car coverage. This means you must file with your personal auto insurance first, then submit remaining costs to your card issuer.

American Express Business Platinum covers rental car damage up to Up to $75,000. This includes collision damage and theft. Decline the rental company's CDW/LDW to activate your card's coverage.

American Express Business Platinum excludes rental car coverage in: Israel, Jamaica, Republic of Ireland, Northern Ireland. If renting in these countries, purchase the rental company's insurance.

Most cards exclude luxury vehicles (MSRP over $50K-$75K), trucks, motorcycles, RVs, and vehicles rented for more than 31 consecutive days. Coverage is typically limited to standard passenger cars and small SUVs.

Yes. For your card's coverage to apply, you must decline the rental company's collision damage waiver (CDW/LDW). Accepting it deactivates your card's coverage.

In EU countries, third-party liability insurance is legally included in all rental prices. Do not buy extra liability coverage there. Focus on collision/CDW, excess amounts, and common exclusions (tires, glass, undercarriage).

Amex standard coverage: Maximum 30 consecutive days (42 days with Premium Protection). Washington State residents limited to 30 days. Exceeding these limits completely voids all coverage - no exceptions.

Many card issuers exclude rental car coverage in Italy, Ireland, Australia, and New Zealand. If your card terms exclude the country, rely on the rental company's insurance or a standalone policy.

Yes — Critical gap: US auto policies exclude international liability coverage. Credit card rental coverage excludes liability. Separate international auto liability required. Norte's Assistant checks this against your actual wallet instead of one card in isolation.

No. Norte analyzes coverage from our database of 200+ cards. Simply select your cards from our list — no account connections or personal financial data required.

Our database is built from official card benefit guides and policy documents. We verify coverage details regularly, but always confirm with your card issuer before making claims.

Most claims are processed within 30-45 days of submitting complete documentation. You'll typically receive initial acknowledgment within 5-7 business days.