How does rental car coverage work with Capital One credit cards?

I have a Visa Platinum card from Capital One. I will be renting a car next week and am deciding what coverage I need. Does Capital One offer rental car insurance?

Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Your Visa Platinum card from Capital One does come with
rental car insurance
. If you pay with your Visa card and decline the rental car company’s
collision coverage
, your card will cover physical damage and theft.
However, there are some specific requirements. For coverage, your rental car period can’t be longer than 15 days and you must be renting an approved vehicle. Coverage typically applies to cars, minivans, and sport utility vehicles.
To find out what other requirements there may be and details on coverage, reach out to Capital One’s Benefit Administrator at 1-800-397-9010.
If Capital One credit card doesn’t include the coverage you need you can check with your
car insurance
or make changes to it with the
app. With Jerry, you can compare 50+ top insurers to ensure you’re getting the coverage you want at the best price.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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