16 Best Ways to Save Money at Pottery Barn in 2021 – Discounts & Sales

If you’ve ever gone shopping for home decor, furniture, and bedding, you’ve probably visited a Pottery Barn.

The Williams Sonoma subsidiary is best known for its upscale products and stunning floor displays. Since its founding in 1949, Pottery Barn has branched out into Pottery Barn Kids and Pottery Barn Teens to appeal to a wider audience.

Despite these changes, Pottery Barn has always maintained a premium status for their brand. But if you’re shopping on a tight budget, there are numerous creative ways to save money at Pottery Barn.

Between in-store hacks and ways to save money on furniture and home furnishings, you probably don’t have to pay full price when you hit up this popular retailer.

Best Ways to Save Money at Pottery Barn

Pottery Barn is unlikely to compete on pricing with more affordable retailers like Ikea. But you don’t have to pay full price just because a store is stylish.

Many money-saving Pottery Barn hacks can help you make your next home furnishings upgrade affordable without sacrificing quality.

1. Join The Key Loyalty Program

The easiest saving trick every shopper can use is to join The Key member rewards program. This loyalty program extends to Williams Sonoma’s family of brands, meaning it covers Williams Sonoma and Pottery Barns along with Mark and Graham, and West Elm.

Joining The Key is free. You start by picking your favorite brand and then sign up for The Key through that brand’s website. To sign up, provide your name, email, address, phone number, and birthday.

Once you’re a member, benefits include:

  • Earring 3% cash back across the family of brands
  • Getting exclusive access to new deals and releases
  • Using Pottery Barn and Williams Sonoma’s free design service

You can redeem cash back as store credit across any Williams Sonoma family store once you reach $15. You can use cash-back rewards from The Key program with your cash-back credit card rewards to increase your savings, and you can redeem your balance online or in-store.

2. Follow Local Stores on Social Media

You can follow Pottery Barn on social media if you want general updates about sales and country-wide initiatives. However, truly frugal shoppers are better off following their local stores.

Local store pages are useful for several reasons. For starters, you can reference them to find store hours or a contact number and to check whether the store’s open on holidays.

Additionally, local stores post photos of their inventory and sales. That’s when you can find specific pieces on clearance or products that are only in stock at your preferred location.

But note that not every Pottery Barn has a local Instagram, Facebook, or Twitter.

3. Sign Up for Pottery Barn Emails

If you want a low-effort way to save, sign up for the Pottery Barn email list.

Subscribers receive information about exclusive sales and promotions, so you can wait for a sale or event before you shop. You also learn about new Pottery Barn products and upcoming store events.

4. Use Online Pottery Barn Coupons

Another trick to save money at Pottery Barn is to use online coupons.

There are numerous online coupon databases you can search for deals, including:

These websites let you activate online coupon codes before shopping, potentially earning percent discounts and perks like free shipping.

Similarly, you can also use shopping browser extensions for online shopping to automatically apply available coupons at checkout. Two popular browser extensions that work with Pottery Barn are Capital One Shopping and Honey.

Both extensions apply coupon codes at checkout, ensuring you don’t miss out on savings. Both platforms also let you earn rewards by shopping at hundreds of partner retailers.

An advantage of using extensions over coupon websites is that you don’t waste time manually searching for coupon codes on the Internet. However, it’s important to note that coupon codes don’t always work, and you might find a particular website or extension works better for you than others.

Capital One Shopping compensates us when you get the Capital One Shopping extension using the links we provided.

5. Shop With Discount Gift Cards

If you shop at Pottery Barn frequently or are planning a shopping spree, buying discount gift cards is a simple way to save more money.

People regularly sell unwanted gift cards to marketplaces that then resell them at a discount. Usually, discounts range from 1% to 2%, so you can buy a $50 Pottery Barn gift card for around $48.

That’s not a lot, but for larger purchases, discount percentages often increase. For example, on some discount gift card websites, you can find $100 and $500 Pottery Barn gift cards with $10 to $20 discounts.

Some popular gift card marketplaces include:

Gift card availability and denominations vary based on supply and demand. Raise generally has the most extensive collection, and you can usually find Pottery Barn gift cards ranging from $25 to $100.

Plus, new members get a 10% discount bonus with the coupon code “FIRST” for a maximum savings of $20.

Since more significant discounts provide the most savings, the key is to plan your Pottery Barn shopping trip. That way, you know exactly how much money you need and don’t overspend on gift cards.

6. Understand Shipping Rates

At Pottery Barn, shipping costs depend on your total order price and whether you want standard shipping or next-day shipping. Standard shipping arrives in four to five business days and upgrading to next-day costs $26.

To potentially save more, consult Pottery Barn’s shipping rates and fees table. For orders under $200, you’re looking at up to $21 in shipping fees. However, orders of $200.01 or more charge 10% in shipping until you reach $3,000 or more, at which point shipping costs drop to 5% of your total order value.

If you’re on a massive Pottery Barn shopping spree, consider what a 5% or 10% shipping rate does to your bill.

For example, at $2,900, you’re looking at $290 in shipping costs. However, spending $100 more to reach $3,000 brings shipping costs to $150, netting you $40 in total savings.

If you’re close to a shipping-reduction threshold but don’t need anything else, ask friends and family if they need anything or think about any upcoming gifts for birthdays and holidays. But crunch the numbers.

If buying a low-cost product still saves you significant cash, it’s worth it. You can always donate unwanted merchandise and get a charitable donation tax deduction. Just check the sale and clearance section for deals.

Finally, look for products that are available for pickup when shopping online. If you live near a Pottery Barn, making the drive is probably worth it to avoid paying for shipping.

7. Shop on Clearance

If you want to find Pottery Barn products at a discount, your best bet is to wait for a clearance sale or floor sales event.

Pottery Barn’s website has a sales section, so you can begin your search for deals online. But visiting your local Pottery Barn allows you to find markdown products the retailer doesn’t advertise online.

Occasionally, Pottery Barn also sells floor models during floor sales events. That includes furniture and other inventory previously used for in-store displays, which the company can’t sell as new. This inventory often has minor scratches or dents but is sold at a discount.

If you don’t mind buying furniture with a potential scratch or two, floor sales are worth keeping an eye on. Alternatively, check the online clearance section regularly to look for deals.

8. Shop Off-Season

Chances are you’ve tried shopping off-season to save money on clothing or back-to-school supplies. But have you ever considered shopping off-season for home decor?

Like other retailers, Pottery Barn rotates their floor displays and inventory to match the upcoming season. So you can buy a set of summer linens and bright throw pillows as you enter the fall to save money in the long run.

9. Visit a Pottery Barn Outlet Store

Pottery Barn has several outlet stores where you can find floor models, returns, overstocked inventory, and slightly damaged or worn inventory it can’t sell in regular stores.

Essentially, outlet stores help Pottery Barn liquidate excess and gently used merchandise, which means you can potentially find discounts.

Currently, the following states have one or more outlet locations:

  • Arizona
  • California
  • Georgia
  • Illinois
  • Massachusetts
  • Michigan
  • Missouri
  • New York
  • Ohio
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Texas
  • Virginia

Just remember: Outlet prices aren’t always lower than the regular retailer, and you should also factor travel time into your bargain hunt. When in doubt, call ahead and ask for specific pricing on pieces you’re considering and for a store attendant to check product availability.

You can also sign up for Pottery Barn Outlet emails to receive outlet store-specific newsletters about new product arrivals and deals.

10. Buy Gently Used Pottery Barn Products

If you don’t live near an outlet, you can shop at companies that resell used and like-new Pottery Barn products at lower prices.

Several websites where you can find used Pottery Barn products include:

You can also shop on auction sites like eBay if you don’t mind bidding and potentially negotiating with sellers.

Selection can be limited when looking at resellers, but the effort is worth it if you find your next living room set or coffee table for half the price.

11. Use the Pottery Barn or Other Cash-Back Credit Card

The Pottery Barn credit card is perfect if you’re a serious Pottery Barn shopper. There are zero fees and plenty of perks. For example:

  • Earn 10% back for shopping at Pottery Barn, Pottery Barn Kids, and Pottery Barn Teens when you spend $250 or more on a single purchase.
  • Receive early access to sales, limited-edition collaborations, and information on new arrivals.
  • Shop for $0 down with 12 months of financing on purchases of $750 or more.

The 10% back in reward points is the primary selling point for this card. For example, if you spend $3,000 redesigning your living room, that’s $300 in rewards — not bad for a no-fee credit card.

However, you must spend $250 in one transaction to get the reward, which severely limits the usefulness of this card if you don’t spend much money on your Pottery Barn trips.

If that’s the case, shop with some type of cash-back credit card to maximize savings.

Cards like the Chase Freedom Unlimited® (read our Chase Freedom Unlimited review) and American Express Blue Cash Preferred® card (read our American Express Blue Cash Preferred review)  are excellent options that have welcome bonuses and cash-back rewards for everyday spending, making them a better choice if you don’t frequently shop at Pottery Barn.

12. Take Advantage of the Military Discount

If you’re an active military member or veteran, you and your family can take advantage of Pottery Barn’s 15%-off military discount. This discount also applies to Pottery Barn Kids and Teens as well as Williams Sonoma.

Plus, military members also get 10% off on electronics at Williams Sonoma.

13. Create an Online Registry

If you have an upcoming wedding or want to save money on newborn expenses, Pottery Barn has registries you can use to save money.

The Pottery Barn wedding registry helps your wedding guests shop for gifts you’re actually going to use. Plus, you can add products from any retailer in the Williams Sonoma family of brands to a single registry.

You can also ask a registry expert to help you craft a registry list that suits your style.

After the wedding date, you get a 10% completion discount for up to six months, meaning you have six months to buy out the remaining merchandise on your registry at a discount.

The baby registry from Pottery Barn Kids works the same way, except you get a 20% completion bonus.

14. Save on your New Move

Paying for moving supplies to pack and ship all your stuff adds up fast.

Thankfully, Pottery Barn has several incentives to help keep moving costs down. For starters, you get $15 off when you spend $75 or more on Sherwin-Williams paint.

Since 2 gallons of Sherwin-Williams paint typically costs between $75 and $150, depending on the paint type, that’s generally enough to paint an average-size room if you’re applying two coats.

Note that Sherwin-Williams is on the pricier side, so unless you’re in love with one of its colors or need high-quality paint to cover up darker colors, brands like Behr and Valspar are typically more budget-friendly.

You can also sign up for the New Mover Program to receive a welcome catalog and design advice for your new home. Pottery Barn also offers free design services to new movers.

However, the best part of the moving program is the installation service. The retailer can mount your TV, hang curtains, paint your new home, and assist with other installation and assembly for a small fee.

First, verify the Pottery Barn in your area offers this service. Then get a quote and compare the price to hiring another professional or doing the work yourself.

15. Use the Pottery Barn Employee Discount

Pottery Barn employees get up to 40% off regularly priced merchandise and an additional 20% off on clearance. So if you’re looking for a side gig and have a redesign project coming up, applying to Pottery Barn could be worth it.

Plus, you can use the extra money to help pay for your upcoming project and take the sting out of paying for it with your regular paycheck.

The Williams Sonoma family of brands hires throughout the year, especially during the holidays, so keep an eye out for job postings if you’re considering this saving trick.

16. DIY Pottery Barn Knockoffs

Crafty shoppers might be better off getting creative than paying higher prices for official Pottery Barn items.

If you’re open to a DIY project, start by searching for Pottery Barn knockoffs on Pinterest. A single search yields hundreds of knockoff ideas, tutorials, and decor ideas you can use to transform your home while staying on budget.

Some design bloggers also focus on knockoff DIYs. Knock Off Decor has a category that’s full of Pottery Barn DIY projects that can save you money.

Often, these projects involve purchasing more affordable materials from places like the dollar store or a local hardware store. Some projects simply involve upcycling existing pieces of furniture to match Pottery Barn’s aesthetic.

Just remember to consider your time and level of experience before taking on a DIY project. If you can score massive savings and enjoy working with your hands, the knock-off route is one of the best ways to decorate your home on a budget.

But if you’re busy or just all thumbs, it’s probably a waste of time.

Final Word

Saving money and scoring discounts probably aren’t the first things that come to mind when you think of Pottery Barn. But it’s possible.

However, you should still shop around, especially if you have a massive home renovation project coming up. Retailers like Wayfair, Overstock, Crate & Barrel, and even general retailers like Target often carry cheaper alternatives to Pottery Barn products.

You might have to get creative and mix and match products from different retailers to achieve that Pottery Barn aesthetic. But if shopping at Pottery Barn alternatives saves you money and matches your design vision, it’s worth the effort.

If you’re committed to Pottery Barn, give yourself as much time as you can when planning your home makeover. If you can wait a few months for a clearance event or for specific pieces to go on sale, you can furnish your home with high-quality furniture and home decor without spending a fortune.

Source: moneycrashers.com

4 Credit Cards With Great Security Features

[UPDATE: Some offers mentioned below have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace. DISCLOSURE: Cards from our partners are mentioned below.]

Thieves lurk in the physical and virtual world, looking for ways to access your credit card number or commit identity theft. Whether you shop online or in brick-and-mortar stores, it’s wise to take steps to protect yourself against fraud.

Credit card companies have many tools to help combat credit card fraud, and sometimes offer additional security features to protect against identity theft.

Here are four credit cards with great security features.

1. Discover it Cash Back

Rewards: 5% cash back on up to $1,500 in quarterly rotating categories like gas stations or restaurants, 1% cash back on everything else

  • I just watched a documentary on the dark web, and I will never feel safe using my credit card again!

  • Luckily I don’t have to worry about that. I have ExtraCredit, so I get $1,000,000 ID protection and dark web scans.

  • I need that peace of mind in my life. What else do you get with ExtraCredit?

  • It’s basically everything my credit needs. I get 28 FICO® scores, rent and utility reporting, cash rewards and even a discount to one of the leaders in credit repair.

  • It’s settled; I’m getting ExtraCredit tonight. Totally unrelated, but any suggestions for my new fear of sharks? I watched that documentary too.

  • …we live in Oklahoma.

Signup Bonus: Discover will match the cash back you earn in the first year.

Annual Fee:

Annual Percentage Rate (APR): , then

Why We Picked It: Discover’s Freeze it feature gives you peace of mind if you’ve lost track of your card.

Security Features: With Freeze it, cardholders can freeze their card within seconds using Discover’s website or mobile app. This way, if you can’t locate your card, you can freeze it and look around before reporting it lost or stolen. If your card is misplaced, Discover offers free overnight card replacement. Cardholders also won’t be held liable for any unauthorized purchases.

Drawbacks: To maximize cash back, you’ll have to do the work of activating and tracking rotating purchase categories.

2. Blue Cash Everyday from American Express

Rewards: 3% cash back on up to $6,000 spent at supermarkets, 2% cash back at gas stations and select department stores, 1% cash back on everything else

Welcome Offer: $150 statement credit after spending $1,000 in the first three months of card membership

Annual Fee:

APR: 0% for 15 months on purchases , then 13.99%-23.99% Variable
See Rates and Fees

Why We Picked It: Cardholders can control available spending for authorized users.

Security Features: If you have multiple cards for authorized users on your account, you can set a spending limit for each card’s billing period. That way, your authorized user (or a conniving friend) can’t rack up a huge balance. American Express won’t hold you accountable for any unauthorized charges.

Drawbacks: If you don’t spend a lot at supermarkets or gas stations, you may want to look for another cash back card.

3. Citi ThankYou Preferred

Rewards: Two points per dollar spent on dining and entertainment, one point per dollar spent on everything else

Signup Bonus: 15,000 bonus points when you spend $1,000 in the first three months

Annual Fee: $0

APR: 0% for 15 months on purchases and balance transfers and then 15.24% – 25.24% (Variable) ongoing APR.

Why We Picked It: Citi has an impressive range of security features that help you fight fraud and identity theft. (Full Disclosure: Citibank advertises on Credit.com, but that results in no preferential editorial treatment.)

Security Features: If your credit card is lost or stolen, Citi will send you a new card for free and provide an emergency cash advance. To protect you online, Citi can issue temporary credit card numbers for secure online purchases. Finally, if you become the victim of identity theft, a Citi specialist will help you contact TransUnion to put a fraud alert on your credit reports and help you complete a police report. Cardholders aren’t held liable for any unauthorized purchase.

Drawbacks: If you use your credit card for “meat and potatoes” spending and rarely use it on a night out, this card won’t deliver as much value.

4. Bank Americard Credit Card

Rewards: None

Signup Bonus: None

Annual Fee: None

APR: 0% intro rate for 15 months, then variable 12.74% to 22.74%

Why We Picked It: Online shopping is safer with Bank of America’s ShopSafe service.

Security Features: With ShopSafe, you can receive temporary credit card numbers to safely shop online. If abnormal spending patterns are detected, Bank of America will block the card’s use and contact you to discuss potential fraudulent activity. You’ll never be held accountable for unauthorized transactions.

Drawbacks: This is a very basic card without any rewards to speak of.

Choosing a Card With Strong Security Features

Federal law states that you can’t be held accountable for more than $50 in unauthorized purchases if your card is stolen. But cardholders concerned with security should look for card issuers that offer zero liability for unauthorized charges.

To further protect yourself, consider cards that go above and beyond in the realm of security and protect you in areas where you may be particularly vulnerable.

If you frequently shop online, you may want a card that offers temporary credit card numbers for limited time use, which stops digital thieves from gaining access to your real card number. If you tend to misplace things and you’re scared of losing your card, you may want a card that lets you easily freeze all activity.

Of course, if your only credit card requirement is security, you should pick a card with the most enhanced protections. But if you also want a card that rewards spending with points or cash back, you’ll want to consider your spending habits and how a card can reward your purchasing behavior.

What Is Required to Get a Card With Security Protections?

Any legitimate credit card should have some security features. Cards with strong security could be available for consumers with credit ranging from poor to excellent. No matter what card you choose, you should know your credit score ahead of time to gauge your chances of approval. Before you apply, you can check two of your credit scores for free at Credit.com.

At publishing time, the Discover it, Blue Cash Everyday from American Express and Citi ThankYou Preferred credit cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

Image: kali9

Source: credit.com

Amazon Prime Store Card Offers 5% Back

[UPDATE: Some offers mentioned below have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace. DISCLOSURE: Cards from our partners are mentioned below.]

Amazon.com offers several credit cards for its customers, but one of its best is the Amazon Prime Store Card. Offered through Synchrony Bank, the Amazon Prime Store Card combines a hefty 5% back offer with promotional financing options for orders starting at $149.

If you already have Amazon Prime and routinely make big purchases on the site, the Amazon Prime Store Card could make your shopping life easier while rewarding you with a decent rewards rate.

How Does the Amazon Prime Store Card Work?

You’ve undoubtedly encountered other store credit cards through traditional brick-and-mortar retailers. You usually get a discount when you sign up, as well as exclusive offers or rewards. These cards are best for customers who don’t carry a balance on their card every month and who frequently shop at a specific retailer.

The Amazon Prime Store Card works the same way as traditional store cards, with some defining extra features. Namely, you have to subscribe to Amazon Prime to be eligible. Non-Prime Amazon customers can get the Amazon.com Store Card and access promotional financing offers, but they won’t get 5% back.

If you already have the Amazon.com Store Card, a Prime subscription will automatically upgrade you to the Amazon Prime Store Card. You also get an Amazon gift card loaded onto your account when you sign up for the card. Remember that because this is a store card, you can use the card only at Amazon.com. In other words, you can’t use it at restaurants, gas stations, or drugstores—or anywhere else for that matter.

Once you have the Amazon Prime Store Card, you immediately get 5% back on every Amazon.com purchase, which means you get back 5% of the purchase’s value in rewards points. You can cash out points on Amazon directly—if you have rewards available, Amazon will give you the option to apply them at checkout.

How Does the Promotional Financing Work?

The promotional financing kicks in on orders of $149 or more, and you don’t need the Prime card specifically to access them. Promotional financing is the main benefit of Amazon’s regular Amazon.com Store Card. But if you’d rather have the Prime card for the extra 5% back on purchases, you still get the financing features.

Amazon has 6-, 12-, and 24-month financing offers with zero interest, as long as you pay off the item completely within the allotted timeframe. This is important, because if you don’t complete all your payments, Amazon will charge you interest accrued from the date of purchase at a variable APR of 26.99%, completely voiding the zero-interest offer.

Amazon Store Card Financing Offers:

  • Interest-free 6-month financing: orders of $149 or more
  • Interest-free 12-month financing: orders of $599 or more
  • Interest-free 24-month financing: select items sold by Amazon

Keep in mind, you can’t get 5% back and promotional financing on the same order—it’s one or the other.

Other Credit Cards with Amazon Savings

The Amazon Prime Store Card isn’t the only credit card out there that will get you rewards with Amazon.com. Amazon and other providers have several options that will make your online purchases work for you—and we cover five of the best credit cards for Amazon purchases below.

1. Amazon.com Store Card

As we’ve mentioned, Amazon with Synchrony Bank offers the Amazon.com Store Card. This card gives you the same promotional financing offers as the Amazon Prime Store Card, but it does not require a Prime membership.

You miss out on the 5% back, but if you make big purchases on Amazon, those financing offers can still prove useful.

2. Amazon Rewards Visa Signature Card

The Amazon Rewards Visa Signature card from Chase Bank has a lower rewards rate than the Amazon Prime Store Card, but it makes up for it with the ability to shop anywhere. This card gives you 3% back on Amazon.com; 2% back on everyday purchases from drugstores, restaurants, and gas stations; and 1% back on everything else.

With no annual fee and no foreign transaction fees, this card is a great everyday and travel card for frequent Amazon shoppers.

3. Amazon Prime Rewards Visa Signature Card

Also from Chase Bank, the Amazon Prime Rewards Visa Signature Card is similar to the Amazon Rewards Visa Signature Card but with two main differences:

  1. It offers a higher, 5% back rate on Amazon purchases.
  2. It requires a Prime membership.

Just like the Amazon Rewards Visa Signature Card, you get 2% cash back at drugstores, gas stations, and restaurants and 1% cash back on everything else. And you still don’t have to worry about foreign transaction fees or an annual fee.

This card is similar to the Amazon Prime Store Card, except it can be used anywhere and offers rewards at more places than just Amazon. However, you don’t have access to any financing offers.

4. American Express SimplyCash Plus Business Credit Card

If you’re looking for a decent Amazon business credit card, this could be an option. The SimplyCash Plus Business Credit Card from American Express gives you 5% cash back on purchases from US office supply stores. And guess what? Many US office supply stores sell Amazon gift cards. If you’re fond of the Amazon 5% back rate and make frequent purchases at office supply stores for your business, the SimplyCash Plus Business Credit Card can give you the same cash back rate as an Amazon rewards card, plus office supply store rewards. Along with no annual fee, this card offers a decent 3% cash back rate on a category of your choice (from a list of eight). For everything else, you get 1% cash back.–>

4. American Express Blue Cash Preferred Card

American Express’s Blue Cash Preferred Card gives you a whopping 6% cash back on up to $6,000 a year for purchases at U.S. supermarkets. Just like office supply stores, many U.S. supermarkets sell Amazon gift cards, which would allow you to get an even better cash back rate than an actual Amazon rewards card. (Click here for rates and fees.)

The rewards rate for supermarket purchases drops to 1% cash back after the $6,000 annual limit, so keep that in mind as you make your purchases. You’ll also have to pay an annual fee of $0 introductory annual fee for the first year, then $95. . But in addition to the 6% cash back rate for U.S. supermarkets, you’re entitled to 3% cash back at U.S. gas stations, as well as 1% cash back for any other purchases.

Before you apply for any credit card, you should know your credit standing so you can determine which credit cards best fit your credit range. Get your credit scores for free on Credit.com. They’re updated every 14 days so you always know where you stand.

Image: iStock

Source: credit.com

Where, When, and Why to Buy Rental Car Insurance

  • Car Insurance

What should you do when you’re offered rental car insurance at the rental counter? It’s designed to protect you if you crash your rental car or it is stolen/vandalized, but do you really need it, is it worth the extra cost, and can you find it elsewhere?

Find your best rate on Car Insurance!

Attention: Still Open During the Financial Crisis…

Tip: Act now to see if you qualify for lower rates!

Compare free personalized quotes from the nation’s top providers.

What is Rental Car Insurance?

Car rental insurance is offered to renters as a way of protecting them from damage done to a rental vehicle. If the driver doesn’t have insurance and damages the car, the rental company may chase them for compensation as they seek to cover the repair costs.

Rental car insurance covers the following:

  • Loss and Damage Waiver: This type of insurance will cover all the damage done to a vehicle if it is involved in a car accident. It will also include losses accrued when the car is stolen or vandalized, as well as something known as loss of use, which is the money lost by the car rental company when the car is getting repaired.
  • Supplemental Liability: If you are at-fault for an accident then you may be liable for damages, including medical expenses and property damage. Supplemental liability covers you for these claims.
  • Personal Effects: Protects you from loss of personal items. If, for instance, you leave a laptop in the car only for the car or laptop to be stolen, you will receive a payout relative to the value of that item.
  • Personal Accident Insurance: This coverage option will pay for medical bills if you are hurt in an accident. It will also cover your passengers.

You can purchase a waiver to make sure you’re protected and won’t be hassled for money. But if you have a full coverage car insurance policy, a premium credit card, and even a health insurance policy, you may already have cover.

Here are a few ways you can get car rental insurance:

1. Rental Car Insurance from Your Insurance Company

There’s a good chance you will already be covered by your personal auto insurance policy. Before you agree to any additional insurance coverage, scan your auto policy to see if you’re already covered. If you have the following, there’s a chance you will be covered. If not, and if you plan on renting a lot of cars in the near future, consider adding them to your personal auto policy:

  • Liability Insurance: The liability insurance you have on your personal car insurance policy will often cover rental cars as well. This type of coverage is required in most states, so as long as you are fully insured, there’s a good chance you won’t need to purchase any supplemental liability insurance.
  • Personal Injury Protection: PIP covers you even when you’re not driving your own car and may, therefore, supply you and your passengers with cover when driving a rental car. It won’t pay for property damage, but it will pay for any bodily injury that you and/or your passengers suffer. The same applies to medical payments cover, although this is much less common.
  • Comprehensive Coverage and Collision Coverage: Not everyone has collision and comprehensive coverage options as they are not required on older, high-mileage vehicles. But if you do have them, you should be covered in a rental car. Collision insurance will cover you for damages to personal property damage in a crash, regardless of who was at fault. Comprehensive coverage will protect you against damage caused by non-collision-related incidents, including vandalism and weather damage.

2. Rental Car Insurance from Credit Card Companies

Your credit card may offer you more perks than you realize. If you have a premium rewards card, you might be surprised to learn that its benefits don’t stop with generous reward schemes, account opening bonuses, and intro rates. In fact, in addition to offering rental car coverage, some top credit cards also provide roadside assistance services, travel protection, purchase protection, and more.

Here are just a few of the popular credit cards that have car rental insurance, along with the other lesser-known features they have:

Chase Sapphire Preferred Card

The Chase Sapphire Preferred is an accessible credit card for most consumers. It doesn’t require you to spend a lot of money every month and even small households will spend enough to make this a viable choice.

The Chase Sapphire Preferred offers complimentary rental car coverage when you use your card to complete the purchase. It will cover you in the event of an accident or theft, providing you supply them with details such as a police report, pictures of the damage, and proof that you paid the car rental company with your credit card.

This card also offers:

  • Travel protection benefits.
  • No foreign transaction fees.
  • Free DashPass subscription.
  • Purchase protection benefits.

Chase Sapphire Reserve

One of our personal favorite travel reward credit cards, the Chase Sapphire, offers a high rate of return every time you use your card to make travel purchases and then redeem your points for travel. The Chase Sapphire Reserve has an auto rental Collision Damage Waiver or “CDW”. It is a primary coverage option that covers you for theft and damage, and it applies to the cardholders as well as authorized users.

For this insurance to apply, you must use your Chase Sapphire card to cover the full cost of the rental car and decline all additional insurance offered to you by the rental car company. Other features you may not know about include:

  • Free credit with TSA PreCheck or GlobalEntry offered every 4 years.
  • Insurance for lost and delayed baggage.
  • Emergency medical coverage.
  • Access to travel lounges.
  • Travel insurance.

American Express BlueCash Everyday Card

AmEx credit cards offer car rental protection when you use your car to complete the sale. The Blue Cash card is one of the more accessible of these cards as it doesn’t have the high annual fees and welcome offer requirements found with the likes of the Gold and Platinum AmEx cards.

You will be covered for rental car damage up to a specific limit, providing your rental period does not exceed 30 days. 

This card also offers the following perks, in addition to no annual fee and a high rate of rewards:

  • 24/7 access to emergency medical care.
  • Access to ticket presales and other entertainment-based benefits.
  • Passport replacement assistance.
  • Missing luggage assistance.

3. Other Insurance Coverage

Health insurance won’t cover you for damage done to a rental car itself, but it will cover you for the medical costs resulting from a car accident. What’s more, if you have home insurance or renters insurance then you should be covered for loss of possession resulting from theft or vandalism.

Again, this won’t include the car itself, but it will include handbags, jewelry, laptops, and other expensive items you left in the car.

Last but not least, you may have extra coverage from your travel insurance. This form of insurance is always recommended if you’re taking long and expensive trips and if you check your policy you may find that it covers rental cars.

4. Rental Car Insurance from the Rental Agency

Car rental companies will encourage you to purchase a type of auto insurance policy known as a loss damage waiver (LDW) or collision damage waiver (CDW).

This will cover you in the event of an accident. It will also cover you if the car is stolen or vandalized. But it’s not necessary, and if you’re being offered cover by your credit card issuer, it’s important to reject this additional insurance.

Bottom Line: Do You Need Rental Car Insurance?

You should definitely consider rental car insurance. It can be expensive, but not if you do your research, look for the cheapest options, and check to see if you already have some areas covered. Furthermore, it provides peace of mind, which is often worth the additional cost.

Source: pocketyourdollars.com

Why the Amex Blue Cash Preferred is the best cash back card right now

American Express Blue Cash Preferred Review – The Points Guy

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Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Source: thepointsguy.com

American Express Blue Cash Preferred $300 Signup Offer With First-Year Fee Waiver

Update 2/21/21: Deal is available again. Hat tip to reader Miggy.

The Offer

American Express cardholders can find their referral link in their Amex login or via public link. Check for the following offer:

  • Apply for the Blue Cash Preferred via a referral link and the new member gets $300 after $3,000 in spend within 6 months. Annual fee is waived the first year.

Card Details

  • Annual fee of $95 waived first year
  • Card earns at the following rates:
    • 6% cash back at U.S. supermarkets (up to $6,000 in spend annually, then 1%)
    • 6% cash back on select U.S. streaming subscriptions
    • 3% cash back at U.S. gas stations
    • 3% cash back on transit (e.g taxis/rideshare, parking, tolls, trains, buses and more)
    • 1% back on all other purchases
  • You can only get the sign up bonus on American Express cards once

Our Verdict

I’m not seeing this on my Blue Cash Preferred, but sfplat on Reddit reports finding such an offer and I’m seeing the same. Within my AmEx login it shows a $250 offer, but when I actually open the referral link the $300 offer pops up. Not sure if it’s showing for everyone or YMMV.

We saw a similar offer via referral for $300 on $1,000 spend, but the annual fee wasn’t waived there. $300 + fee waiver + bonus for referrer is about as good as you can get. Not sure if we’ve ever seen the annual fee waived on BCP before. The standard offer on BCP just increased to $250 with no fee waiver.

Since American Express released universal referrals, I assume just about everyone has a friend with an AmEx card, so I’m thinking we won’t do a referral thread for now. Do not leave referrals in the comments.

Hat tip to sfplat

Post history:

  • Update 12/9/20: This offer is slated to expire on December 10th.
  • Update 9/18/20: Looks like this is now available at the public signup link as well. Obviously better if you can get the offer to show via referral and help your friend get a bonus too, but good to see it publicly available now.

Source: doctorofcredit.com