Chase Sapphire Preferred® Rental Car Coverage: Up to $60,000 actual cash value of vehicle Primary CDW
Manually audited from official issuer benefit guides · Last verified Jun 2026 · Source: Chase press release 6/15/2026 (media.chase.com/news/Meet-the-New-Chase-Sapphire-Preferred) + chase.com/sapphire-cards/personal/preferred
Quick Answer
- primary Collision Damage Waiver: Up to $60,000 actual cash value of vehicle
- Maximum Rental Duration: 31 days
- Loss of Use Coverage: Included
Planning a trip or rental? Your Chase Sapphire Preferred® already includes rental car coverage — here's how to make the most of it. We'll show you what's covered, what's not, and how to claim confidently.
How It Compares
| Feature | This Card |
|---|---|
| primary Collision Damage Waiver | Up to $60,000 actual cash value of vehicle |
| Maximum Rental Duration | 31 days |
| Loss of Use Coverage | Included |
| Towing & Roadside Assistance | Included |
Frequently Asked Questions
Is Chase Sapphire Preferred® rental car coverage primary or secondary?
Chase Sapphire Preferred® provides primary rental car coverage. This means you must file with your personal auto insurance first, then submit remaining costs to your card issuer.
What's the coverage limit for Chase Sapphire Preferred® rental car damage?
Chase Sapphire Preferred® covers rental car damage up to Up to $60,000 actual cash value of vehicle. This includes collision damage and theft. Decline the rental company's CDW/LDW to activate your card's coverage.
What vehicles are excluded from coverage?
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.
Do I need to decline the rental company's insurance?
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.
Do I need to connect my bank account?
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.
How accurate is the coverage information?
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.
How long does the claims process typically take?
Most claims are processed within 30-45 days of submitting complete documentation. You'll typically receive initial acknowledgment within 5-7 business days.
See our complete guide to filing rental car claims for step-by-step help.
Related Guides
Source & Official Terms: View official benefit terms and conditions
Claims support: 1-800-493-3319
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