Do you need to know if your Shell Fuel Rewards Credit Card will cover rental insurance?
Keep reading to learn what rental car insurance is, compare the Shell Fuel Rewards Credit Card’s travel benefits, and understand how to find credit cards with rental car insurance coverage.
Does The Shell Fuel Rewards Credit Card Offer Rental Car Insurance?
The basic Shell Fuel Rewards Credit Card, with a $0 annual fee, does not offer rental car insurance as a benefit.
What is an Auto Rental Collision Damage Waiver?
Auto Rental Collision Damage Waiver covers loss, theft, or collision damage to a rental car. This is also referred to as rental car insurance. Here are some things to know about this potential benefit:
- Travelers must pay for the rental with the credit card providing the benefit and list the cardholder as the driver.
- This coverage is secondary to any United States automobile insurance policy renters (you) have.
- Outside of the United States, credit card insurance is primary.
- This coverage does not include injuries to anyone inside or outside the vehicle.
- It does not cover liability to other vehicles or property.
Shell Fuel Rewards Credit Card vs. Other Cards’ Rental Car Insurance Offers
The base credit in the Shell Fuel Rewards Credit Card program does not include rental car insurance. Still, other popular cards do offer this benefit. We created a table to easily compare the Shell Fuel Rewards Credit Card with other credit cards that provide a Collision Damage Waiver benefit.
| Credit Card | Rental Car Insurance | Location Provided | What is covered? | Annual Fee |
|---|---|---|---|---|
| Shell Fuel Rewards Credit Card | Not Provided | No Coverage Provided | No Coverage Offered | $0 |
| 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 |
Shell Fuel Rewards Credit Card Travel Benefits vs. Other Cards’ Benefits
The Shell Fuel Rewards Credit Card focuses on fuel rewards, so it is not known for travel benefits. However, you can get a significant discount on the base price of rental cars. We compared the offerings from the Shell Rewards Credit Card to other popular travel cards.
| Credit Card | Purchase APR | Gasoline Rewards | Restaurants/Bars | Other travel |
|---|---|---|---|---|
| Shell Fuel Rewards Credit Card | 30.24% | $0.10 Off per Gallon for Every $50 spent, Up to 35 Gallons | None For Basic Card | Up to 25% Off Base Rate with Budget and Avis |
| 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?
If your credit card does not offer an Auto Rental Damage Collision Waiver, you may also obtain insurance in other ways. Depending on whether you are renting within the United States or abroad, you have some options:
- Within the United States, you can use the built-in coverage for rental cars in your Automobile Insurance Policy (assuming you have a policy with full-coverage)
- Ask for coverage from the rental car company for an extra fee
- Third-party travel insurance companies also offer coverage
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). 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
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(2022). The Shell Fuel Rewards Credit Card. citicards.citi.com. Retrieved November 15, 2022, from https://citicards.citi.com/usc/rpg/landing/default.htm?lp=shellFRdual&BT_TX=1
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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.
