Does Amex Gold Have Car Rental Insurance?

You're planning a road trip and need to rent a car, but you're not sure if your credit card offers rental car insurance. It's important to have coverage in case of an accident or damage to the rental vehicle, as this can save you hundreds or even thousands of dollars. So, does the American Express Gold Card offer car rental insurance? We'll dive into the details to help you make an informed decision.

The American Express Gold Card is known for its generous rewards program and travel benefits, but it may also provide valuable protection when renting a car. In this article, we'll explore what car rental insurance coverage is included with the Amex Gold Card and how it compares to other credit cards' offerings. Let's take a closer look at this often-overlooked benefit that could potentially save you money and headaches during your next road trip adventure.

Understanding Car Rental Insurance Coverage

If you're planning on renting a car, it's important to understand what kind of coverage your credit card offers. Car rental insurance is designed to protect you from financial losses in the event of an accident or damage to the rental vehicle. Most credit cards offer some level of rental car damage coverage, but it's important to know the deductible limits and other terms.

American Express Gold Cardholders can enjoy car rental loss and damage insurance when they rent a car using their Amex card. This means that if you get into an accident or your rental car gets damaged while in your possession, American Express will cover the costs up to $50,000 per incident. However, keep in mind that this coverage is secondary to any personal auto insurance policy you may have.

It's important to note that not all types of cars are covered under this benefit and certain restrictions apply. For example, luxury vehicles and exotic cars are usually excluded from coverage. Additionally, American Express does not provide liability insurance for bodily injury or property damage caused by an accident involving a rental vehicle. It's always best practice to check with your credit card provider before renting a car so that you can fully understand what type of coverage is available and what limitations may apply.

Benefits of the American Express Gold Card

You'll love the amazing perks that come with the American Express Gold Card, including benefits that make your life easier and save you money. Here are some of the top benefits you'll enjoy:

  • Rewards Program: With this card, you can earn points for each dollar spent on eligible purchases. These points can be redeemed for travel, dining, shopping, and other rewards.

  • Travel Perks: If you're a frequent traveler, this card is perfect for you. It offers a $100 airline fee credit each year which can be used towards baggage fees or in-flight food and drinks. You also get access to premium airport lounges through the Global Lounge Collection program.

  • Car Rental Insurance: Yes! One of the best perks of having an American Express Gold Card is car rental insurance. When renting a car using your card, it automatically provides secondary coverage against theft or damage to the vehicle. This means that if anything happens to your rented car during your trip, you won't have to worry about paying out-of-pocket expenses.

In addition to these benefits, there are many more reasons why the American Express Gold Card is one of the most popular cards on the market today. The annual fee may seem steep at first glance but when compared with all its features and benefits - it's definitely worth it! Plus, with exclusive offers such as Uber Cash credits and complimentary ShopRunner membership - there's never been a better time to sign up for this card. So what are you waiting for? Apply now and start enjoying all its incredible perks!  Learn about the 5 types of auto insurance as well.

Car Rental Insurance Coverage with the Amex Gold Card

You might be surprised to learn that renting a car can actually be stress-free and budget-friendly with the American Express Gold Card, which offers automatic coverage for any potential damages or thefts during your trip. This means that you won't have to worry about purchasing additional insurance when renting a car, as it's already included in your card benefits. Keep in mind, however, that there are some Amex Gold limitations to this rental car damage coverage.

Firstly, the Amex Gold rental car damage coverage only applies if you decline the collision damage waiver (CDW) offered by the rental company. It also doesn't cover injury or damage to other drivers or their vehicles, so keep this in mind if you're planning on sharing the road with others while on your trip. Additionally, if you rent a luxury vehicle or certain types of SUVs/trucks/vans/cars with an MSRP above $50k USD, you may not be covered by this benefit.

Overall, the Amex Gold Card's rental car damage coverage is an incredibly helpful benefit for those who frequently rent cars while traveling. Just make sure to read up on any limitations before relying solely on this benefit during your next road trip adventure!

Comparing Car Rental Insurance Coverage Across Credit Cards

Comparing coverage for renting a vehicle can be confusing, but it's important to understand the differences between credit card options to ensure you have the best rental car protection while on the road. Some credit cards offer primary coverage, which means that your card will cover damages or theft without involving your personal insurance. Other cards offer secondary coverage, which means that your card will only cover costs after your personal insurance has been used.

Here are some things to keep in mind when comparing car rental insurance coverage across credit cards:

  • Look at the type of coverage offered: Some cards may offer collision damage waiver (CDW) or loss damage waiver (LDW), which covers damages or theft and may include liability coverage. Others may only provide secondary liability coverage.
  • Check any exclusions: Many credit card companies exclude certain types of vehicles from their rental car protection policy such as luxury cars, trucks, vans, or motorcycles.
  • Review any limitations: Certain credit cards have a maximum amount they will cover per claim and per rental period.

It's important to note that even if you have a credit card with rental car insurance benefits, there may still be gaps in coverage. Be sure to read through your credit card agreement carefully and contact your issuer directly if you have any questions about your specific policy. By doing so, you can ensure that you're fully protected while driving a rented vehicle.


Now that you know more about car rental insurance coverage and the benefits of the American Express Gold Card, it's clear that this card is a great option for those who frequently rent cars. With primary coverage for damage or theft up to $50,000, as well as secondary coverage for medical expenses and liability up to $500,000, you can have peace of mind knowing that you're covered in case of an accident.

In fact, according to a survey by ValuePenguin, only 47% of credit cards offer any kind of rental car insurance coverage. This means that if you don't have a credit card with such benefits, you may end up paying out-of-pocket for damages or injuries sustained during your rental period. So why take the risk? Upgrade to the American Express Gold Card and enjoy not only car rental insurance coverage but also other perks like travel credits and points on eligible purchases.

Also Read:  Amex Platinum Rental Car Benefits