Advertiser Disclosure

Citi travel cards offer rental car coverage in all countries (including AAdvantage, ThankYou cards)

by on Fri March 28, 2014 • 9 Comments

Rental car credit card coverage

Renting a car overseas is a complicated and cumbersome process. And one thing that made it more painful than necessary was the exclusion of certain countries from the free collision damage coverage most credit cards provide when you use them to pay for a rental.

Countries like Ireland, Israel, Jamaica, and Australia were routinely excluded from complimentary coverage from most credit cards.

But that’s started to change recently. 

Last fall, Chase upgraded the benefit on many of its travel cards to offer coverage in any country, so long as the country or rental car company allowed it.

And you can also add Citibank to that list.

Citi card car rental collision coverage

If you login to the Citi Benefit Builder online you can see all of the details of your Citi card’s benefits.

There, for most Citi travel cards, like the ThankYou Preferred and the popular AAdvantage Platinum Select Card you’ll see that car rental coverage includes all countries.

Citi rental car coverage

It used to be this was only a benefit on some World Elite level MasterCards, but now the benefit is appearing for Citi Visa cards as well, which is a welcome benefit.

That doesn’t mean you’ll always have collision damage coverage when you purchase a rental with your card. Some places like Australia and New Zealand have laws that force foreign travelers to buy supplemental car rental insurance, so you’ll still have to pay up there.

But places like Ireland and Israel are now open for coverage if the rental agency permits it.

Of course, always do your homework before leaving on a trip. It’s a good idea to call your credit card company and request a ‘proof of coverage’ document. They can email this to you and you can present it at the car rental counter in case the rental car company tries to hassle you with its collision coverage.

In summary these are the rules of thumb for cards that do and don’t offer collision damage coverage in all countries:

  • Yes: Most ‘World Elite’ level MasterCards
  • Yes: Most Chase issued travel credit cards (Visa and MasterCard)
  • Yes: Most Citibank issued travel credit cards (Visa and MasterCard)
  • No: All American Express issued cards (they  exclude Ireland, Jamaica, Israel, Italy, Australia, and New Zealand)


The following two tabs change content below.

Chase Sapphire Preferred® Card

Miles dont expireas long as card is open
Learn more

Partner Offer

50,000 bonus points

Intro Offer

$0 introductory annual fee the first year, then $95

Annual Fee


Foreign Transaction Fee Waived

Yes - transfer to United MileagePlus, Southwest Rapid Rewards, Marriott Rewards, and more

Points Can Transfer to Airline Miles ?

Still confused? Have a question?

Leave a comment below -- we'll reply shortly -- no need to use your real name. Or, use the email form at the top of the page for private advice.

"These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered."

9 thoughts on Citi travel cards offer rental car coverage in all countries (including AAdvantage, ThankYou cards)

  1. Tavio

    I’m a Citi World Elite card holder and Aadvantage Gold status. Should I purchase additional insurance for car rentals in Spain and Italy?


      @Tavio – Best to call the number on the back of your card and check your own insurance. But the collision damage coverage should apply if allowed by the local authorities.


      @Norm: It depends on which card you have and the guide to benefits on your card. For example, for Citi / AAdvantage credit cards, the Guide to Protection Benefits states: “The length of the rental car agreement
      must be for a rental period of no more than 31 consecutive days.” Refer to your benefits guide for rental car limits.

  2. Sherri

    I just rented a car in Jamaica using my citi executive card. They wanted to upsale me coverage for tires and rims. Is that already covered under my card?


      @Cynthia – Only the damage to your rental vehicle is covered. For others’ damage you need separate personal liability insurance, which often is covered with your regular auto insurance policy.


Leave a Reply

Your email address will not be published. Required fields are marked *

X Email Alerts
Hear about new offers and tips