Which Canadian credit cards include rental car insurance?

We track 13 cards that list rental car insurance. By our value ranking the Scotiabank Platinum American Express Card from Scotiabank leads, with a $399 annual fee. Coverage terms vary, so read the issuer's certificate of insurance.

How do I use my credit card's rental car insurance?

You typically must decline the rental agency's own collision waiver and pay for the full rental with the card carrying the coverage. Coverage is conditional, so read the certificate for vehicle-value caps, day limits, and excluded vehicle types. Confirm with the issuer before you rely on it.

Is the coverage guaranteed?

No. Credit card insurance is conditional and governed by a certificate of insurance with limits, exclusions, and eligibility rules. We list which cards advertise the benefit; always confirm the current terms on the issuer's page before relying on it. Nothing here is financial advice.

How current is this list?

Benefits are checked against official issuer pages and were last refreshed 2026-06-20.

Coverage finder

Credit cards with rental car insurance in Canada

Cards that cover the collision damage waiver on rental cars. 13 cards, ranked by value. Every benefit cites the official issuer page. Updated 2026-06-20.

A number of Canadian credit cards include rental car collision and loss damage coverage (CDW/LDW), letting you decline the rental counter's expensive waiver when you pay with the card and meet the conditions. Coverage caps on vehicle value and rental length, and some vehicle types are excluded. The cards below list rental car collision/loss damage coverage.

0Cards found

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06-20Last updated

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Frequently asked

Which Canadian credit cards include rental car insurance?: We track 13 cards that list rental car insurance. By our value ranking the Scotiabank Platinum American Express Card from Scotiabank leads, with a $399 annual fee. Coverage terms vary, so read the issuer's certificate of insurance.
How do I use my credit card's rental car insurance?: You typically must decline the rental agency's own collision waiver and pay for the full rental with the card carrying the coverage. Coverage is conditional, so read the certificate for vehicle-value caps, day limits, and excluded vehicle types. Confirm with the issuer before you rely on it.
Is the coverage guaranteed?: No. Credit card insurance is conditional and governed by a certificate of insurance with limits, exclusions, and eligibility rules. We list which cards advertise the benefit; always confirm the current terms on the issuer's page before relying on it. Nothing here is financial advice.
How current is this list?: Benefits are checked against official issuer pages and were last refreshed 2026-06-20.

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Credit cards with rental car insurance in Canada

Scotiabank Platinum American Express Card

Scotiabank Gold American Express Card

Scotiabank Passport Visa Infinite Card

PC Insiders World Elite Mastercard

MBNA Rewards World Elite Mastercard

Triangle World Elite Mastercard

PC World Elite Mastercard

Scotia Momentum Visa Infinite Card

Scotiabank Passport Visa Infinite Privilege Card

Brim World Elite Mastercard

Wealthsimple Credit Card

MBNA Smart Cash World Mastercard

United MileagePlus Neo World Elite Mastercard

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