Car Rental: Save with Credit Card Discounts

Une famille sort d'une voiture avec de jeunes enfants
To the point Discover the best credit cards offering benefits, discounts and privileges for your car rentals at no extra cost.

Some credit cards go beyond merely accumulating reward points to help you save by offering specific benefits and discounts for car rentals, often providing a privileged status. These advantages may include rental car insurance, significant discounts, and even premium services, such as free upgrades through higher status at rental agencies, or priority access while others wait to pick up their vehicle.

In fact, these cards are particularly advantageous for frequent travellers or those looking to enhance their car rental experience without paying extra. With a high status, you can enjoy services such as higher-end vehicles, expedited rental processing, and preferential rates.

Here’s an overview of the most popular credit cards offering these benefits.

Credit Cards Offering Car Rental Benefits or Discounts

American Express Credit Cards

American Express Platinum Card (personal and business)

The American Express Platinum Card® both the personal version and the Business Platinum Card® from American Express are one of the most prestigious cards on the market for travelers. Not only does it offer you reward points for savings, it also gives you privileged access to the most renowned car rental loyalty programs:

  • Avis Preferred: This level of status entitles you to accelerated rental management, exclusive discounts, and even car upgrades based on availability. Avis Preferred status guarantees you premium service, with priority queuing and fast car pick-up.
  • Hertz Gold Rewards Five Star: Hertz Five Star status is the highest level in the Hertz Gold Rewards loyalty program. As a Five Star member, you enjoy many benefits, such as free upgrades, fast pick-up with no paperwork, and special discounts on rentals. This status puts you at the pinnacle of the Hertz rental experience.

What’s more, the American Express Platinum Card® includes complete car rental insurance, covering collision, theft and third-party liability. This can save you considerably on the insurance fees offered by rental agencies.

Platine Avantage Auto

American Express® Gold Rewards Card

The American Express® Gold Rewards Card, which is more affordable than its big sister, the American Express Platinum Card® still offers an interesting advantage: Gold Plus Rewards status with Hertz. This status gives you access to discounts, car upgrades when availability permits, and simplified rental management with accelerated service. Gold Plus Rewards status is ideal for people looking for a great rental experience at a lower cost.

Scotiabank Credit Cards

Scotiabank credit cards offer solid advantages when it comes to car rental, thanks to their partnerships with Avis and Budget. These cards not only offer significant savings, but also dedicated customer service and access to prestigious loyalty programs.

Scotiabank Scene+ Visa Card

With the Scotiabank® Scene+™ Visa* Card, saving on car rental becomes simple and effective. With this card, you can take advantage of a discount of up to 25% off the base rate at participating Avis and Budget rental agencies in Canada and the United States. Here’s how to do it:

To rent with Avis :

  • Book online at avis.com/scenebanquescotia or by phone at 1-800-TRY AVIS (879-2847).
  • Don’t forget to use promotional code C030303, valid worldwide, to take advantage of the discount.

To rent with Budget :

Scotiabank Passport® Visa Infinite* Card

With the Scotiabank Passport Visa Infinite Card, you can join the Avis Preferred Plus program free of charge and enjoy a range of prestigious benefits, such as :

  • Free upgrades: access a higher car category, subject to availability, for greater comfort on your travels.
  • Dedicated customer service: enjoy exclusive access to a dedicated phone line for your reservations and for any assistance related to the Avis® Preferred Plus service.
  • Advantageous discounts: benefit from discounts ranging from 5% to 25% on the lowest eligible retail rates in Canada and the United States.

Scotiabank Gold American Express® Card

With the Scotiabank Gold American Express® Card, you also benefit from interesting discounts on car rentals. You can save up to 25% on prime rates at participating Review and Budget locations in Canada and the U.S. by using your card to pay.

For bookings with Avis :

  • Book online at avis.com/scotiabankgoldAMEX or by phone at 1-800-TRY AVIS (879-2847).
  • Mention the Avis global discount number C231401 to benefit from the discount.

For reservations with Budget :

Scotia Momentum® VISA Infinite* Card

With the Scotia Momentum Visa Infinite Card, you also benefit from interesting discounts on car rentals. You can get up to 25% off prime rates at participating Review and Budget locations in Canada and the United States. Discounts are also available on the Scotia Momentum VISA Card and the Scotia Momentum® No-Fee VISA* Card.

For your reservations with Avis :

  • Book easily online at avis.com/scotiabankmomentuminfinite or call 1-800-TRY AVIS (879-2847).
  • Don’t forget to mention the Avis global discount number C030400 to benefit from the savings.

For reservations with Budget :

These various privileges enable you to enhance your rental experience while optimizing your travel budget. Whether through a direct discount on the prime rate or through loyalty program benefits, Scotiabank’s offers stand out for their richness and flexibility.

Remember that discount codes vary from card to card. So it’s important to always consult your credit card’s benefits guide for the exact codes that apply to your card. This will help you maximize savings and take full advantage of the benefits to which you are entitled.

CIBC Credit Cards

CIBC credit cards maximize your Budget rental experience with several benefits:

  • Discounts of up to 35% on prime rates when you choose the “Pay Now” option at participating agencies in Canada and the United States.
  • An additional driver can be added at no extra charge.
  • Multiple discount vouchers and free Fastbreak registration, guaranteeing accelerated access to the vehicle.

Some CIBC cards also offer additional services, such as Garmin GPS, extended roadside assistance, fuel options and child safety seats.

All the information can be found here.

BMO Credit Cards

BMO credit cards offer significant benefits when you rent a vehicle from National, Enterprise or Alamo. In addition to a discount of up to 25% off the base rental rate, some cards offer additional benefits such as more points on this category of purchase.

To make a reservation, use the car rental tool partners.rentalcar.com/bmo-english

Here are a few examples of cards that offer car rental benefits:

Aeroplan Credit Cards

Holders of an Aeroplan co-branded credit card can access Avis Preferred or Avis President’s Club status, depending on the type of card they hold. These statuses offer the possibility of obtaining a free upgrade when renting a car in Canada, the United States, Europe, Australia and New Zealand, subject to availability.

What’s more, you earn one Aeroplan point for every dollar you spend with Avis. For full details of the partnership between Aeroplan and Avis, visit this page.

TD Credit Cards

The TD program works in a special way, offering minimal savings:

  • A minimum discount of 10% off the prime rate for rentals in Canada and the United States, with both Avis and Budget.

Please note that TD does not provide discount codes directly on its site. To take advantage of these offers, it is necessary to consult the benefits guide specific to each card. Recommended TD cards include :

These cards also include additional benefits, such as travel insurance and popular loyalty programs, which are super attractive for travelers.

MBNA Credit Cards

MBNA offers a simplified TD-like approach to car rental with the following advantages:

  • Minimum 10% discount on prime rate for rentals in Canada and the United States.
  • 5% discount on prime rate for international rentals.

The originality of MBNA’s offer lies in the use of a link with a unique code applicable to all their cards, simplifying activation for partner agencies. Click on the following links to go there and benefit from the discounts: Avis and Budget.

RBC Credit Cards

Eligible RBC cardholders enjoy attractive car rental benefits with Avis, Budget and Hertz. With your RBC card, you can get up to 20% off car rentals in North America, Latin America and the Caribbean (domestic rentals excluded). To take advantage of this offer, simply book online:

In addition, members of the RBC Avion Rewards Premium program benefit from exclusive advantages at Hertz, which enhance this international offer. As a premium member, you can also benefit from a 10% discount on the price of fuel per liter.

Desjardins Credit Cards

With Desjardins credit cards like the Desjardins Odyssey Gold Visa Card in hand, renting a car becomes much more affordable and enjoyable.

Here are the benefits you can enjoy at Hertz, Thrifty and Dollar :

At Hertz :

  • Up to 25% off rental rates, perfect for saving on your travels.
  • Young drivers don’t have to worry about additional costs.
  • Possibility of adding a driver at no extra charge.
  • You are automatically enrolled in the Five Star status of the Hertz Gold Plus program.
  • The Prestige collection has been reduced by 20% in the United States and Europe.
  • 25% discount on GPS.

To take advantage of these offers, contact Hertz at 1 800 263-0678, or visit their website for more details.

At Thrifty and Dollar :

  • Up to 10% off fares, a welcome boost to your travel budget.
  • No extra charge for young drivers.
  • You can add a driver at no extra charge.

To arrange your rental, call Thrifty at 1 800 847-4389 and Dollar at 1 800 800-4000, or check out their websites for more info.

Credit Card benefits and Discounts on Car Rentals Summary

Bank Agency Discounts/Benefits
American Express Avis, Hertz Access to Avis Preferred and Hertz Gold Rewards – Five Star status (upgrades, expedited service, full insurance)
Scotiabank Avis, Budget Up to 25% off prime rate (special promotional codes and access to Avis® Preferred Plus program, upgrades, dedicated service)
CIBC Budget Up to 35% discount on base rate with “Pay Now” option, FastBreak
BMO National, Corporate, Alamo Up to 25% off base rate
Aeroplan Avis Access to Avis Preferred or Avis President’s Club status
TD Avis, Budget Minimum 10% discount on base rate in Canada and the U.S.
MBNA Avis, Budget 10% discount on base fare in Canada and the United States, 5% elsewhere, with a single simplified code
RBC Avis, Budget, Hertz Up to 20% discount on base fare and 10% discount on fuel price per liter
Desjardins Hertz, Thrifty, Dollar Up to 25% off at Hertz and up to 10% off at Thrifty and Dollar

This summary provides a brief overview of the benefits offered by the most popular credit cards. If your card is not listed here, we recommend that you consult the detailed terms and conditions in the small print on your card issuer’s website.

Bottom Line

Choosing the right credit card can make all the difference when it comes to renting a vehicle; the cards featured in this guide allow you to benefit from price discounts and premium advantages, as well as being able to use your points to reduce the bill even further. From complementary insurance to free upgrades and preferential rates, each card offers benefits to suit different profiles. Before finalizing your reservation, take the time to consult the specific offers linked to your card to maximize your benefits. A small gesture that can greatly enhance your comfort on long-distance routes and lighten your budget on future trips.

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Aline Nguyen
Aline Nguyen
Aline, an experienced traveler and avid photographer, is an Avgeek, a foodie at heart and a mother to two children. An expert in credit cards & rewards programs, including Aeroplan, Marriott Bonvoy, American Express Membership Rewards, CIBC Aventura, and RBC Avion, she uses points to travel affordably and save in daily life. Having explored all 7 continents and 78 countries, Aline shares her travel passion and insights to help others make the most of loyalty programs.
All posts by Aline Nguyen

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