The current sign-up offer for ThankYou Premier is 20,000 ThankYou points after $2,000 in purchases

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As I ve discussed in previous posts, two valuable (but often overlooked) benefits of credit cards are travel insurance  and  secondary auto rental insurance , even though terms are sometimes poorly disclosed and policies can be inadequate. japan tour For instance, when you re covered  by secondary car rental insurance provided by your credit card and you damage a rental car in the US, you ll still have to file a claim with your own car insurance company  something most drivers want to avoid like the plague. Fortunately, there are several credit cards on the market that offer primary car rental insurance , providing immediate and direct coverage to the driver of a rental car.
Car rental coverage provided by credit cards is called japan tour the  Collision Damage Waiver (CDW).  Secondary CDW coverage waives your rental car agency s right to pursue you for damages incurred to your rental car as a result of theft, vandalism, etc. However, secondary coverage may come with a deductible (typically $500), and in most cases doesn t cover administrative fees or total loss of the vehicle due to an accident. Secondary CDW coverage is offered by a variety of cards issued by Discover, American Express (e.g.,  Premier Rewards Gold ) and Visa (e.g.,  Citi Hilton HHonors Reserve ).
Primary rental car coverage provided by a credit card generally covers the loss of the vehicle , meaning you won’t need to 1) pay a rental car company an extra fee for coverage when renting a vehicle or 2) alert your car insurance company to any activity that could cause your premium to increase.
Most of these policies japan tour exclude certain countries from coverage  most commonly Australia, New Zealand, Jamaica, Israel, Ireland japan tour and Italy. All policies cover most private passenger automobiles, minivans, and sport utility vehicles, but often don t cover sports and specialty vehicles like trucks, motorcycles, mopeds and motorbikes. Excluded across the board are cars considered antique (generally defined as any vehicle over 20 years old, or one that hasn t been manufactured for 10 years or more) or  exotic (e.g., Aston Martin, Porsche and Ferrari). In all cases, in order to receive primary car rental insurance via a credit card, you have to decline the rental agency japan tour s CDW. The following credit cards presently offer primary auto insurance coverage.
American Express japan tour Cards.  All American Express cards  offer premium primary japan tour coverage for $24.95 (or $17.95 for California residents) for a rental period of up to 42 days. However, know that when you enroll an Amex card for this coverage, you give Amex consent to charge your card automatically each time you use it to rent a car; if coverage won t be necessary for your travel needs, be sure to disenroll your card prior to your trip.
One of the best current offers japan tour on an Amex card is  40,000 points  after you spend $3,000 on purchases in the first 3 months with an   Amex Platinum .  This card, which incurs no foreign transaction fees, comes with a $450 annual fee, but  you can receive up to a $200 airline fee credit annually  for airline incidental fees like checked bags, flight-change fees and snacks.
Chase Ink Bold and Ink Plus .  Both of these business cards offer primary rental car coverage for most types of vehicles (with the exception of sports cars, trucks and off-road vehicles) in most countries except  Ireland, Israel and Jamaica. N ote that cardholders must be driving for business in order to be covered .
Both of these cards e arn  50,000 bonus points  after you spend $5,000 in the first 3 months , or $625 toward travel when you redeem japan tour through Chase Ultimate Rewards. On both cards, you ll earn  5 points per dollar (up to $50,000 annually) spent at office supply stores and on cellular, landline, internet and cable TV services . In addition, japan tour you ll earn 2 points per dollar at gas stations and hotel stays (up to $50,000 annually) and 1 point per dollar on all other purchases. Ink Bold must be paid off in full each month, while Ink Plus allows the flexibility of paying over time. Both of these cards incur no foreign transaction fees, and their respective $95 annual fees are waived for the first year.
Chase Sapphire Preferred . Just recently, Chase announced a change in the Sapphire Preferred CDW coverage from secondary to primary insurance. Rentals paid for with the Sapphire Preferred are now covered for losses including physical damage and/or theft of the rental vehicle, valid loss-of-use charges assessed by the rental company, and reasonable and customary towing charges related to a covered loss. Reimbursement is up to the actual cash value of the vehicle as it was originally manufactured. While expensive/exotic cars are generally excluded, e xceptions include  select models of BMW, Mercedes-Benz, Cadillac and Lincoln.
The present signup offer for this card is   40,000 points  after you spend $4,000 in the first 3 months , and the $95 annual fee is waived the first year.  This card is one of my favorites, due to its 2x earnings for every dollar spent on travel and dining, and its lack of foreign transaction fees.  Note that along with the addition of primary auto coverage, Sapphire japan tour Preferred has also added trip interruption and cancellation insurance, japan tour though it  eliminated the 7% annual points dividend japan tour .
The current sign-up offer for ThankYou Premier  is 20,000 ThankYou points japan tour after $2,000 in purchases within the first 3 months, and you can also earn an additional 30,000 points after spending $3,000 within the first 3 months of your  second year of being a cardmember japan tour . The card earns 3 ThankYou points   per $1 spent on dining out and entertainment, 2 points per $1 spent on airfare and hotels, and 1 point per dollar on all other purchases. These ThankYou points transfer to a handful of travel partners . The card incurs no foreign transaction fees, and its $125 annual fee is waived for the first year.
For the ThankYou japan tour Preferred card, the current japan tour sign-up offer 20,000 ThankYou Points after a $1,500 spend within 3 months, with a 0% intro APR on Balance Transfers and Purchases for 12 months. The card earns 2 ThankYou Points per dollar spent on dining at restaurants and entertainment, and 1 point per dollar spent on all other purchases. The card comes with Chip technology and no annual fee.
The Citi Prestige card s sign-up bonus is  30,000  ThankYou points  after spending $2,000 in the first three months. The annual fee is  $450, and the card s benefits will undergo some considerable changes as of October 19, 2014 . Among the coming changes are: a free 4th night at all properties (rather than select ones) in the World Elite Luxury Hotels and Resorts Portfolio, only when booked through Citi’s designated travel advisor,  Carlson Wagonlit Travel ;  an airline statement credit of $250; and Priority Pass membership. The card presently earns 2 ThankYou Points for each dollar spent on dining and 1 point per dollar japan tour for all other purchases. Starting in October, though, Prestige will introduce a new 3x bonus category for airlines, hotels, and travel agencies, and will expand the 2x category to include entertainment.
Diner s Club International Card. This card is not accepting new applications, but for present cardholders, its  primary japan tour coverage japan tour   applies to physical damage and theft of the vehicle, reasonable loss of use charges, reasonable towing charges, and includes secondary personal effects insurance. Protection for covered damages applies to rental cars with a retail price of up to $100,000.
Diner s Club doesn t come with a sign-up bonus and charges a 3% foreign transaction fee, but has no annual fee and earns 1 Club Reward point for every $2 spent. These Club Reward points can be transferred to a wide variety of partners (including restaurants, airlines, and hotels), and the card offers 24/7 personal concierge service, global  airport lounge access , and discounts on car rentals at Avis and Budget.
Discover Escape Card. This card s primary rental car insurance covers you for a rental period of up to 31 consecutive days, and excludes tax, gasoline, japan tour and airport fees from its definition of car rental charges. Covered vehicles include japan tour minivans and sport utility vehicles, but exclude off-road japan tour vehicles and cars that have a suggested retail price above $50,000. Coverage includes physical damage to and theft of the vehicle, reasonable towing charges, and any deductible or other eligible amounts not covered by other insurance. The insurance doesn t cover personal injury, personal liability, damage to other vehicles or property, or any injury to any other party.
The current sign-up bonus on this card is 25,000 points , given to cardholders at a rate of 1,000 points a month for the first 25 months. (This equates to roughly $10 a month for two years, which is decent, if not particularly exciting.) You receive 2 miles for every $1 spent, as well as a o% APR for the first six months. The card s annual fee is $60, it incurs no foreign japan tour transaction japan tour fees, and points can be redeemed for any flight, hotel stay or car rental without restrictions or blackout dates. However, be aware that Discover still receives limited acceptance within japan tour the US, and isn t accepted at all in Germany, France, India and Chile.
Fairmont Visa Signature.  Primary coverage japan tour is offered for physical damage and theft of most rented vehicles, up to 15 consecutive days in your country of residence and 31 days outside your country of residence.
The current sign-up offer  is two complimentary nights with breakfast for two after you make $3,000 in purchases within the first 3 months, as well as one complimentary night each anniversary year that you spend $12,000 with the card. You earn 5 Fairmont Rewards for every $1 on Fairmont stays, 2 for every $1 spent on airline tickets purchased direc