Indigo Mastercard vs. Other Cards’ Rental Car Insurance Offers

Since the Indigo Mastercard does not provide an auto rental collision damage waiver, renters will want to pay for their rental vehicle with another card. For comparison, we listed other popular cards with rental car insurance benefits and their annual fees.

Credit Card Rental Car Insurance Location Provided What is covered? Annual Fee
Indigo Mastercard Not Provided No Coverage Provided No Coverage Offered As Low As $0 First Year, then $99/Year
American Express Gold Card Provided Worldwide Except Australia, Italy, and New Zealand Damage or Theft of Rental Vehicle $695
American Express Platinum Card Provided Worldwide Except Australia, Italy, and New Zealand Damage or Theft of Rental Vehicle $0
Bank of America Travel Rewards Provided Worldwide Damage or Theft of Rental Vehicle $250
Capital One Venture X Travel Rewards Credit Card Provided Worldwide Damage or Theft of Rental Vehicle $395
Chase Freedom Unlimited Provided Worldwide Damage or Theft of Rental Vehicle, Loss of Use Charges $0
Chase Sapphire Reserve Provided Worldwide Damage or Theft of Rental Vehicle, Loss of Use Charges $550
Costco Anywhere Visa Card by Citi Provided Worldwide Damage or Theft of Rental Vehicle Costco Membership, $60/Person
Ink Business Cash by Chase Provided Worldwide Damage or Theft of Rental Vehicle $0
Southwest Rapid Rewards Premier Provided Worldwide Damage or Theft of Rental Vehicle $99

Indigo Mastercard Travel Benefits vs. Other Cards’ Benefits

The Indigo Mastercard is geared toward customers with less-than-ideal credit. It does not offer competitive travel benefits. We compared the Indigo Mastercard with popular travel credit cards. For convenience, we also listed the purchase Annual Percentage Rates (APR) for each card.

Credit Card Purchase APR Gasoline Rewards Restaurants/Bars Other travel
Indigo Mastercard 24.90% None None 15% Discount on Airport Concierge Services
American Express Gold Card 19.74% to 26.74% 1x Points 4x Points 3x Points for Flights Booked through AmexTravel and Other Credits Available
American Express Platinum Card 19.74% to 26.74% 1x Points 1x Points 5x Points for Flights and Hotels Booked through AmexTravel Plus Credits for Hotels, TSA Precheck and More
Bank of America Travel Rewards 16.99% to 26.99% 1.5 Points per $1 1.5 Points per $1 1.5 Points per $1
Capital One Venture X Travel Rewards Credits Card 19.99% to 26.99% 2x Miles 2x Miles 10x Miles for Rental Cars and Hotels, 5x Miles for Flights, Plus Credits through Capital One Travel, Other Bonus Miles
Chase Freedom Unlimited 18.74% to 27.49% 1.5 % Cash Back 3% Cash Back 5% cashback for Flights, Hotels, Rental Cars, Activities, and Cruises
Chase Sapphire Reserve 20.74% to 27.74% 1 Reward Point per $1 3x Points on Dining Out, 10x Points on Select Dining $300 Annual Travel Credits, 5x Points on Flights, 10x Points on Cars and Hotels, 3x Points on Other Travel
Costco Anywhere Visa Card by Citi 18.99% 4% on Gas and EV Charging First $7,000 then 1% After 3% Cash Back 3% on Eligible Travel Purchases
Ink Business Cash by Chase 16.24% to 22.24% 2% Cash Back on First $25,000 Annually 2% Cash Back on First $25,000 Annually 1% Unlimited Cash Back on All Purchases
Southwest Rapid Rewards Premier 19.74% to 26.74% 1 Reward Point per $1 1 Reward Point per $1 3 Points for Every $1 on Southwest, 2 Points for Every $1 on Rapid Rewards Hotel and Car Partners
Southwest Rapid Rewards Premier 19.74% to 26.74% 1 Reward Point per $1 1 Reward Point per $1 3 Points for Every $1 on Southwest, 2 Points for Every $1 on Rapid Rewards Hotel and Car Partners

What Are Other Ways to Get Car Rental Insurance?

There are other insurance options for renters without an Auto Rental Collision Damage Waiver cardholder benefit.

  • Check your current Automobile Insurance Policy. Most policies will cover rental vehicles within the United States.
  • Other options include the coverage offered by the rental car company. 
  • Find coverage through a third-party travel insurance company.

Frequently Asked Questions

Do credit card companies offer car protection for rented cars?

Some credit card companies include an auto rental damage collision waiver in their terms and conditions.

How do I know if my credit card benefits include rental car insurance?

You can find out if your credit card benefits include rental car insurance by reading your terms and conditions, or you may call the customer service line.

Does the name on the credit card name have to match the driver for the rental car?

For most auto rental collision damage waiver policies, the name on the credit card must match one of the listed drivers on the rental policy. Some credit card benefits will cover additional drivers, and some will not.

References

(2022). American Express Gold Card. americanexpress.com. Retrieved November 18, 2022, from https://www.americanexpress.com/us/credit-cards/card/gold-card/?eep=26129&extlink=af-us-ccsg-GLDLM&irgwc=1&veid=RHES8l3FoxyNTw0wVCwYvw4MUkDSaQSBI2YPQg0&affid=494094&pid=IR&affname=Upgraded%20Points%2C%20LLC&sid=14011830036&pmc=784&BUID=CCG&CRTV=controlaffcps&MPR=00

(2022). American Express Platinum Card. americanexpress.com. Retrieved November 18, 2022, from https://www.americanexpress.com/us/credit-cards/card/platinum/?eep=26129&extlink=af-us-ccsg-PLALM&irgwc=1&veid=RHES8l3FoxyNTw0wVCwYvw4MUkDSaWWdI2YPQg0&affid=494094&pid=IR&affname=Upgraded%20Points%2C%20LLC&sid=14011830036&pmc=137&BUID=CCG&CRTV=controlaffcps&MPR=00

(2022). Apply for Indigo Card. Indigo Card. Retrieved November 15, 2022, from https://www.indigocard.com/home

(2022). Auto Rental Collision Damage Waiver. chase.com. Retrieved November 15, 2022, from https://www.chase.com/personal/credit-cards/slate/autorental-protection

(2022). Capital One Venture X Card. capitalone.com. Retrieved November 18, 2022, from https://www.capitalone.com/credit-cards/lp/venture-x/lp1/?external_id=WWW_ACT96_ZZZ_ONL-SE_ZZZZZ_T_SEM2_ZZZZ_c_Zg_c12555e5-6288-458f-876d-276148fabd21_594863589315_695556&target_id=kwd-535022800203&gclid=Cj0KCQiA99ybBhD9ARIsALvZavX3Hkz-7wSMu-T7MJUO2m3rikcqYKbxr2VPV8Jk7_RmaVrZYnCcgpYaAmRxEALw_wcB

(2022). Chase Freedom Credit Cards. creditcards.chase.com. Retrieved November 15, 2022, from https://creditcards.chase.com/a1/freedom/CFDQ42022?CELL=6RRW&jp_cmp=cc/Freedom+Unlimited_Brand_Exact_Freedom_SEM_US_NA_Standard_NA/sea/p55734705554/Chase+Freedom+Unlimited&gclsrc=aw.ds&ds_rl=1247291&gclid=CjwKCAiAjs2bBhACEiwALTBWZaEMeAzrnzDM2Vq1my-Edro31K4mEdDeTD3OEFmBqlM38SXrBdlQChoCodQQAvD_BwE&gclsrc=aw.ds

(2022). Chase Sapphire Card Collection. creditcards.chase.com. Retrieved November 15, 2022, from https://creditcards.chase.com/a1/22Q4/sapphire/dual?CELL=6RRW&sitelink=4&jp_cmp=cc/Sapphire+Reserve_Brand_Exact_Sapphire+Reserve_SEM_US_NA_Standard_NA/sea/p56274826680/Chase+Sapphire+Reserve+-+Benefits&gclsrc=aw.ds&&gclid=CjwKCAiAjs2bBhACEiwALTBWZTgo_asI21vDX4o4oyT3VUp0lar3GVQF3JgDzzDzrPb96RcCbTiGWhoCeksQAvD_BwE&gclsrc=aw.ds

(2022). Compare Business Credit Cards. creditcards.chase.com. Retrieved November 18, 2022, from https://creditcards.chase.com/a1/DAO/ink-business/universal/preferred/900?CELL=6H8X&AFFID=pngc6t7Ewoo-wKtR_v7fVz8T68cT.bwGdA&pvid=0c11720a1a9340c6865be3e754e20079&jp_cmp=cc/797349/aff/3-10003611/na

(2022). Compare Our Credit Cards: Bank of America. Bank of America. Retrieved November 16, 2022, from https://promo.bankofamerica.com/ccsearchlp10/compare-cards-1/?cm_mmc=Cons-CC-_-Google-PS-_-bank_of_america_travel_rewards-_-Brand_Travel&code=TC03GZ&gclid=Cj0KCQiAsdKbBhDHARIsANJ6-jckD2oGNZxzHULpUNNd3PQCUp8_GsmDS90G2siBOdFhVH3wh0v_GfIaAmvuEALw_wcB&gclsrc=aw.ds

(2022). Costco Anywhere Visa Card by Citi. Citi.com. Retrieved November 15, 2022, from https://www.citi.com/credit-cards/citi-costco-anywhere-visa-credit-card

(2022). Does My Costco Anywhere Visa Card by Citi Include Rental Car Insurance. Costco Travel. Retrieved November 15, 2022, from https://costco-travel-us-mbr.custhelp.com/app/answers/detail/a_id/5902/~/does-my-costco-anywhere-visa%C2%AE-card-by-citi-include-rental-car-insurance%3F

(2022). Southwest Compare Cards. creditcards.chase.com. Retrieved November 15, 2022, from https://creditcards.chase.com/a1/southwest/NAEP75kPlus1122?CELL=6RRW&jp_cmp=cc/SWA_Brand_Exact_SWA_SEM_US_NA_Standard_NA/sea/p64466382235/Gap+Analysis+Test+KWs&gclsrc=aw.ds&&gclid=CjwKCAiAjs2bBhACEiwALTBWZUQ7D_UJwEjIjI_e747_fcB_g7rNWZqKNLKZ3VEPhOzWzCuyJcE8fRoCiv4QAvD_BwE&gclsrc=aw.ds

(2022). Southwest Rapid Rewards. creditcards.chase.com. Retrieved November 15, 2022, from https://creditcards.chase.com/southwest/priority-credit-card

(2022). Visa Guide to Benefits. business.bofa.com. Retrieved November 16, 2022, from https://business.bofa.com/content/dam/boamlimages/documents/PDFs/visa_guide_to_benefits.pdf

Jesse Cunningham

Jesse Cunningham V is a professional writer and licensed insurance agent. He has worked in the insurance industry in different capacities, starting as a customer service representative and working his way up to an independent agency owner. He is licensed in the states of Maryland and Pennsylvania for Property, Casualty, Life, and Health products. Jesse has worked with many national carriers, including Nationwide, State Farm, Travelers, and Liberty Mutual, and specializes in car and home insurance and health, life, accidental death, and disability insurance. He writes for multiple publications including FIXD and Bauple.com. All articles by Jesse are opinion-based. Speak with your licensed insurance agent about the particulars of your insurance before making any decisions.