Advantage rental car debit card

advantage rental car debit card

A reservation payment on is a real-time transaction. Once you accept the terms and conditions, the card that is used to prepay this reservation will be immediately pre-authorized for the full amount of the estimated total charges along with a security deposit. Any unused funds secured on your credit or debit card will be released when you return the car and could take up to 10 business days to appear on your bank statement.

Please Note: Debit cards may not be accepted at some Avis locations.

Credit & Debit Card Requirements

The following credit and debit cards may be used to prepay this reservation:

What To Bring With You At the Rental Counter & What to Expect

  • To maintain security and help prevent fraud, this same credit or debit card MUST BE presented as ID, but you may use other forms of payment for your rental.
  • Some locations may not accept debit cards. In this case, you will be required to present what the rental location considers to be acceptable forms of credit ID. All other information (such as name and billing information) must match the information on the credit card initially used. You will need a valid driver's license and it may be subject to verification from the state of insurance.
  • This card will be pre-authorized for the full amount of the estimated rental along with a security deposit. Any unused funds secured on your debit card will be released when you return the car, and the charge may take up to 10 business days to appear on your bank statement.

For Visitors Outside of US & Canada

  • You must stop at the rental counter before picking up your car.
  • Present a Non-U.S. Passport AND a Non-U.S. Driver's License OR present a U.S. Passport and U.S. Driver's License and an International Airline Ticket.

Please Note: Once your credit information is entered and the reservation is confirmed, you cannot modify this card information.

See full credit card, debit card & billing terms below on this page.

Take Advantage of Your Credit Card’s Rental Car Insurance

Advantage rental car debit card

You’re sick of winter and already making plans for spring break. At some point, you may need to rent a car at your destination. The rental company will ask if you’d like to tack on full rental car insurance, known as a Collision Damage Waiver (CDW).

A CDW is a piece of coverage that can cost you an average of $20 to $40 per day, almost the same price as renting the car.

You could always wing it and go without rental car insurance. If an accident happens, you’re responsible for making the insurance claims, along with out-of-pocket costs. These costs will potentially send you into debt, something no one wants.

One alternative is to use your existing auto insurance to cover rental car insurance. This provides coverage in circumstances like collision and theft. However, it depends on your policy.

Another option? Your credit cards. They may provide the rental car insurance coverage you need, but there are several things to consider.

Credit card rental car insurance: What you need to know

Rental car insurance coverage through your credit card varies, depending on built-in rules and policies, and individual incidents.

If you have an auto insurance policy, your credit card usually provides secondary, or backup, coverage.

If you get into a fender bender, you’ll need to file a claim with your auto insurer. Your credit card should pick up the cost of damages not covered by your auto insurance. These include deductible costs, towing expenses, and other charges.

Your credit card will usually cover any damages to your rental car, but not the cost of damages to other cars. This coverage typically ranges between $25,000 to $50,000, but can be as high as $100,000.

The value of a stolen rental car is also covered by your card issuer, provided it doesn’t exceed the maximum coverage amount. If the car is broken into, your credit card will pay for the cost of repair to any damaged parts. However, they won’t cover the cost of but not your stolen belongings.

Without an auto insurance policy, your credit card will provide primary – not secondary – coverage if you’re traveling overseas. Usually this is only in countries where your insurance coverage may not be effective. All damages or costs would be covered, but check with your carrier first.

Each of the four major credit networks (Visa, Mastercard, American Express, Discover) provide rental car insurance policies, not every card offers the same level of protection. Some countries are also excluded:

  • AmEx doesn’t offer car rental insurance in Ireland, Israel, Jamaica, Italy, Australia, and New Zealand.
  • Mastercard excludes insurance in Ireland, Israel, and Jamaica.
  • The Escape Card by Discover excludes insurance coverage in Ireland, Israel, Jamaica, and New Zealand.
  • Visa doesn’t offer insurance protection in Ireland, Northern Ireland, Israel, and Jamaica.

  • Sports or exotic cars above $50,000.
  • Antique vehicles over 20 years old (or those not manufactured for over 10 years).
  • Vans, trucks, limousines or RVs with an eight or more passenger capacity.
  • Motorcycles, mopeds or all-terrain/off-road vehicles.

Credit cards won’t insure accident or incident liability. If you’re involved in an accident where another party sues you, you’re responsible for the expenses. Rental agencies may offer a minimal amount of liability coverage, but it may not be enough.

In addition to liability coverage, rental car agencies may also impose what are called “loss of use fees.” This is to compensate for the money they’ll lose while the car’s being repaired. Your credit card generally won’t compensate you for these fees.

Thinking of using a credit card for car rental insurance? Adhere to these tips before taking out any coverage:

  • If you choose to insure your rental car with your credit card, you must decline the rental agency’s insurance offer.
  • To activate insurance, you’ll need to be the primary renter of the vehicle.
  • Charge the entire transaction, insurance included, on the same credit card. You won’t be allowed to use your debit card for the rental and a credit card for the insurance.
  • Credit card rental car insurance is free of charge. Once you charge a rental to your card, the insurance is complimentary and comes at no initial cost (minus any fees).
  • A card that only carries car rental insurance can’t be used to pay for the vehicle rental.
  • Don’t go in blindly. Before you rent a car, contact your card provider to inquire about their insurance policies and rules.
  • If you’re opening a new credit card account, read the statement of benefits in advance if you think rental car insurance is something you may take advantage of in the future.
  • Credit card car insurance normally covers rentals up to a month, though some cards only offer a 15-day policy. AmEx and Discover offer longer terms, up to 42 and 45 days, respectively, if you’re a member of a premium program (AmEx) or using a card for business purposes (Discover).
  • Always examine the fine print of an insurance contract. You may not be covered or denied coverage altogether if you drive on roads that are unpaved. Coverage may also be denied if you wait too long to file an insurance claim.
  • You may lose coverage if you let someone drive the car who’s not listed on the rental contract.

advantage rental car debit card

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