Best credit cards with car rental insurance
Credit cards that cover damage to a rental car you pay for with the card.
Card details updated November 10, 2026 How we rank
What’s in each?
- Light:
- Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
- Typical:
- Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
- Big:
- Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
- Yours:
- Your own amounts, saved on this device only
Not sure which kind of card you need? Help me choose
92 car rental insurance credit cards, ranked for you
Ranked by value in year one at $2,500 a month, after fees. How we rank
Worth counts lounge visits, travel medical, rental car and phone cover at what they’d cost on their own, for the trips in your budget. The cover only pays when you charge the trip, rental or phone to the card.
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Ranked 41. BMO VIPorter World Elite® Mastercard®
BMO · Mastercard
Worth in year one $794Then each year $5954.5% back on flights, 1.5% back on everything else
- Welcome offer
- None listed
- Annual fee
- $0 first year Then $199 a year
Needs $80,000 personal or $150,000 household income
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Ranked 42. BMO® Eclipse Visa Infinite* Card
BMO · Visa Expert Score 8.4 out of 10. Very good
Worth in year one $784Then each year $4633.4% back on restaurants, groceries and gas, 0.7% back on everything else
- Welcome offer
- $201 you’d get The full offer. Up to 30,000 BMO Rewards points.
- Annual fee
- $0 first year Then $120 a year
Needs $60,000 personal or $100,000 household income
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Ranked 43. TD Cash Back Visa Infinite Card
TD · Visa Expert Score 8.2 out of 10. Very good
Worth in year one $782Then each year $6433% back on groceries, gas and transit, 1% back on everything else
- Welcome offer
- None listed
- Annual fee
- $0 first year Then $139 a year
Needs $60,000 personal or $100,000 household income
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Ranked 44. PC Insiders™ World Elite Mastercard®
PC Financial · Mastercard
Worth in year one $748Then each year $5785% back on pharmacy, 1% back on everything else
- Welcome offer
- $50 you’d get The full offer. Up to 50,000 PC Optimum points.
- Annual fee
- $0 first year Then $120 a year
Needs $80,000 personal or $150,000 household income
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Ranked 45. CIBC Aventura® Gold Visa Card
CIBC · Visa Expert Score 8.1 out of 10. Very good
Worth in year one $741Then each year $3022% back on travel, 1% back on everything else
- Welcome offer
- $300 you’d get The full offer. Up to 30,000 Aventura points.
- Annual fee
- $0 first year Then $139 a year
Needs $15,000 household income
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Ranked 46. United® MileagePlus® Neo World Elite® Mastercard
Neo · Mastercard
Worth in year one $701Then each year $3812% back on flights, 1.2% back on everything else
- Welcome offer
- $320 you’d get All of year one’s offer. Up to 25,000 MileagePlus miles.
- Annual fee
- $89 a year
Needs $80,000 personal or $150,000 household income
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Read the full review: United® MileagePlus® Neo World Elite® Mastercard
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Ranked 47. BMO® CashBack® World Elite® Mastercard®
BMO · Mastercard Expert Score 8.0 out of 10. Very good
Worth in year one $690Then each year $5705% back on groceries, 1% back on everything else
- Welcome offer
- None listed
- Annual fee
- $0 first year Then $120 a year
Needs $80,000 personal or $150,000 household income
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Read the full review: BMO® CashBack® World Elite® Mastercard®
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Ranked 48. CIBC Dividend Platinum® Visa Card
CIBC · Visa Expert Score 7.2 out of 10. Good
Worth in year one $690Then each year $5913% back on groceries and gas, 1% back on everything else
- Welcome offer
- None listed
- Annual fee
- $0 first year Then $99 a year
Needs $15,000 household income
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Ranked 49. Air France KLM World Elite MasterCard®
Brim · Mastercard
Worth in year one $687Then each year $5553.8% back on restaurants, 1.9% back on everything else
- Welcome offer
- None listed
- Annual fee
- $0 first year Then $132 a year
Needs $80,000 personal income
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Read the full review: Air France KLM World Elite MasterCard®
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Ranked 50. Quicksilver World Elite Mastercard®
Capital One · Mastercard
Worth in year one $657Then each year $6573% back on groceries and gas, 1% back on everything else
- Welcome offer
- None listed
- Annual fee
- $0 No annual fee
Needs $80,000 personal or $150,000 household income
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Ranked 51. Quicksilver World Mastercard®
Capital One · Mastercard
Worth in year one $657Then each year $6573% back on groceries and gas, 1% back on everything else
- Welcome offer
- None listed
- Annual fee
- $0 No annual fee
Needs $50,000 personal or $80,000 household income
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Ranked 52. PC Financial® World Elite Mastercard®
PC Financial · Mastercard Expert Score 8.0 out of 10. Very good
Worth in year one $652Then each year $6024.5% back on pharmacy, 1% back on everything else
- Welcome offer
- $50 you’d get The full offer. Up to 50,000 PC Optimum points.
- Annual fee
- $0 No annual fee
Needs $80,000 personal or $150,000 household income
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Ranked 53. National Bank World Mastercard
National Bank · Mastercard
Worth in year one $650Then each year $5351.8% back on everything
- Welcome offer
- None listed
- Annual fee
- $0 first year Then $115 a year
Needs $50,000 personal or $80,000 household income
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Ranked 54. Rogers Red World Elite® Mastercard®
Rogers Bank · Mastercard Expert Score 7.7 out of 10. Good
Worth in year one $600Then each year $5601.5% back on everything
- Welcome offer
- $40 you’d get The full offer. Up to $40 back.
- Annual fee
- $0 No annual fee
Needs $80,000 personal or $150,000 household income
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Ranked 55. CIBC Aeroplan® Visa Card
CIBC · Visa
Worth in year one $594Then each year $5442% back on groceries, gas and flights, 1.3% back on everything else
- Welcome offer
- $50 you’d get The full offer. Up to 2,500 Aeroplan points.
- Annual fee
- $0 No annual fee
Needs $15,000 household income
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Ranked 56. Desjardins Odyssey Visa Infinite Privilege
Desjardins · Visa Expert Score 7.8 out of 10. Good
Worth in year one $561Then each year $5614% back on restaurants, entertainment and transit, 1.5% back on everything else
- Welcome offer
- None listed
- Annual fee
- $395 a year
Needs $150,000 personal or $200,000 household income
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Read the full review: Desjardins Odyssey Visa Infinite Privilege
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Ranked 57. Rogers Red World Elite® Business Mastercard
Rogers Bank · Mastercard
Worth in year one $560Then each year $5601.5% back on everything
- Welcome offer
- None listed
- Annual fee
- $0 No annual fee
Needs $80,000 personal or $150,000 household income
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Read the full review: Rogers Red World Elite® Business Mastercard
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Ranked 58. National Bank Platinum Mastercard
National Bank · Mastercard Expert Score 6.8 out of 10. Fair
Worth in year one $557Then each year $4871.8% back on groceries and restaurants, 0.6% back on everything else
- Welcome offer
- None listed
- Annual fee
- $0 first year Then $70 a year
Income rule not listed
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Ranked 59. Triangle™ World Elite Mastercard®
Canadian Tire · Mastercard Expert Score 7.6 out of 10. Good
Worth in year one $552Then each year $5523% back on groceries, 1% back on everything else
- Welcome offer
- None listed
- Annual fee
- $0 No annual fee
Needs $80,000 personal or $150,000 household income
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Ranked 60. RBC Cash Back Preferred World Elite Mastercard
RBC · Mastercard Expert Score 7.5 out of 10. Good
Worth in year one $552Then each year $5523% back on groceries, restaurants and food delivery, 1% back on everything else
- Welcome offer
- None listed
- Annual fee
- $120 a year
Needs $80,000 personal or $150,000 household income
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Read the full review: RBC Cash Back Preferred World Elite Mastercard
Showing 20 of 92 cards
Filters
Your spending a month
Your balance
How we rank cards
The list is math only: one set of rules, worked out for the choices you made.
What Year one and Every year mean
Year one is what a card is worth in its first year at your spending: the rewards it earns, plus any welcome offer your spending would reach, minus the first year’s annual fee.
Every year after leaves out the welcome offer and takes off the full annual fee, so a big offer can’t hide a weak earn rate.
We rank by the one you pick. When two cards come out the same, the one with the higher score goes first. Values are estimates, rounded to the dollar.
What’s in each spending choice
Each choice is an example month of spending, split across the kinds of spending cards reward differently. Pick the one closest to yours.
- Light, $1,000 a month: Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
- Typical, $2,500 a month: Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
- Big, $5,000 a month: Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
How we value points
Each points program gets one value per point, taken from the program’s own valuation. Cards in the same program use the same value, so two cards that earn the same points are judged the same way.
- Aeroplan: 2 cents a point
- American Express Membership Rewards: 1.7 cents a point
- BMO Rewards: 0.67 cents a point
- British Airways Club: 2 cents a point
- Cathay Asia Miles: 1.5 cents a point
- CIBC Aventura: 1 cents a point
- Desjardins BONUSDOLLARS: 100 cents a point
- Flying Blue: 1.9 cents a point
- Marriott Bonvoy: 0.8 cents a point
- moi Rewards: 0.8 cents a point
- More Rewards: 0.2 cents a point
- National Bank a la carte Rewards: 0.9 cents a point
- PC Optimum: 0.1 cents a point
- RBC Avion: 1.7 cents a point
- Scene+: 1 cents a point
- TD Rewards: 0.5 cents a point
- Triangle Rewards: 100 cents a point
- United MileagePlus: 1.6 cents a point
- VIPorter: 1.5 cents a point
- WestJet Rewards: 1 cents a point
A card whose points we can’t value yet shows its points and sorts after the cards we can value.
What Low interest adds up
Low interest ranks by what a year of carrying a balance would cost: interest at the card’s purchase rate, plus the annual fee. It assumes the balance stays the same all year and leaves out rewards and welcome offers.
A balance transfer offer shows on the card when it has one, but it doesn’t change the order.
Does pay change the order?
No. The order comes only from the math above. We get paid when you apply through some links, and a bank can pay to show a card in a spot marked Sponsored. Pay never moves a card in the ranked list or changes its score.
Help me choose
Four quick questions, then a list that fits. Your answers only set the list. We don’t keep them.
Show the questions as a form
Help me choose
Mr. Loonie is typing
Which kind of card fits you?
Start with what you want the card to do. Each one has its own ranked list.
- Cash back Good if you want money off your bill with no points to learn. Watch for the top rate usually covering a few kinds of spending, often with a yearly cap.
- Travel points Good if you fly at least once a year and will use points for flights. Watch for higher annual fees. Points are worth less on merchandise.
- No annual fee Good if you spend under about $1,500 a month or want a backup card. Watch for lower earn rates and fewer insurance perks.
- Low interest Good if you sometimes carry a balance from month to month. Watch for little or no rewards. Paying in full each month saves more than any rate.
- Balance transfer Good if you have card debt to pay down over several months. Watch for a transfer fee and the regular rate once the promo ends.
- No foreign fee Good if you shop in US dollars or travel outside Canada. Watch for an annual fee on most of them. The fee you save abroad can cover it.
- New to Canada Good if you’ve just arrived and have no Canadian credit history yet. Watch for lower limits at first. Some need a Canadian bank account or a deposit.
- Build credit Good if you’re rebuilding your credit after missed payments. Watch for the deposit, which sets your limit. Rewards are small or none.
- Students Good if you’re in school with little or no income. Watch for low limits. Pay on time and the card builds your history.
Cards by bank
Cards by network
Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. Values are estimates for the spending you picked, rounded to the nearest dollar.
Spot something wrong? We’ll check it with the bank. Suggest a correction