Car Rentals: Save with Credit Card Discounts

Updated May 8, 2026
Car Rentals: Save with Credit Card Discounts - Car Rental
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 far beyond simply accumulating reward points to save money by offering specific benefits and discounts for car rentals, often with elite status. These benefits can include car rental insurance, significant discounts, and even premium services, such as free upgrades through higher status with rental agencies, or priority access while others wait to pick up their vehicle.

Indeed, these cards are particularly advantageous for frequent travelers or those looking to improve their car rental experience without paying additional fees. With a high status, you can enjoy services such as higher-end vehicles, expedited rental management, and preferential rates.

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

Credit cards offering benefits or discounts on car rentals

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, is one of the most prestigious cards on the market for travelers. It does not just offer reward points to save money; it also gives you privileged access to the most renowned car rental loyalty programs:

  • Avis Preferred: This status level allows you to benefit from expedited rental management, exclusive discounts, and even car upgrades based on availability. Avis Preferred status guarantees premium service, with priority lines and quick vehicle pickup.
  • Hertz Gold Rewards Five Star: Hertz Five Star status is the highest level in the Hertz Gold Plus Rewards loyalty program. As a Five Star member, you benefit from numerous advantages, such as free upgrades, quick pickup without paperwork, and special discounts on rentals. This status places you at the top of the Hertz rental experience.

Additionally, the American Express Platinum Card® includes comprehensive car rental insurance, covering collision, theft, and civil liability. This can save you considerably on the insurance fees offered by rental agencies.

American Express: How Do I Activate the American Express Platinum Card Benefits? - Auto Advantage Platinum

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 benefit: Hertz Gold Plus Rewards status. This status gives you access to discounts, car upgrades when availability permits, and simplified rental management with expedited 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 benefits for vehicle rentals through their partnerships with Avis and Budget. These cards not only allow for significant savings but also provide dedicated customer service and access to prestigious loyalty programs.

Scotiabank Scene+ Visa Card

With the Scotiabank® Scene+™ Visa* Card, saving on car rentals becomes simple and efficient. With this card, you can enjoy a discount of up to 25% off the base rate at participating Avis and Budget rental locations in Canada and the United States. Here is how to proceed:

To rent with Avis:

  • Book online via avis.com/scotiabanksceneplus or by phone at 1-800-TRY AVIS (879-2847).
  • Don’t forget to use the promotional code C030303, valid worldwide, to benefit from 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 for free and enjoy a range of prestigious benefits, such as:

  • Free upgrades: Access a higher car category, subject to availability, for increased comfort during your travels.
  • Dedicated customer service: Enjoy exclusive access to a reserved phone line for your reservations and 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 vehicle rentals. Indeed, you can save up to 25% on base rates at participating Avis and Budget locations in Canada and the United States by using your card to pay.

For reservations with Avis:

  • Make your reservations online at avis.com/scotiabankgoldAMEX or by phone at 1-800-TRY AVIS (879-2847).
  • Mention the Avis Worldwide Discount (AWD) number C231401 to enjoy the discount.

For reservations with Budget:

Scotia Momentum® VISA Infinite+* Card

With the Scotiabank Momentum® Visa Infinite* Card, you also enjoy attractive discounts on car rentals. You can get up to 25% off base rates at participating Avis and Budget locations in Canada and the United States. The Scotiabank Momentum® VISA* Card version and the Scotia Momentum® No-Fee VISA* Card also offer discounts.

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 Worldwide Discount (AWD) number C030400 to benefit from the savings.

For your reservations with Budget:

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

CIBC Credit Cards

CIBC credit cards allow you to maximize your rental experience with Budget through several benefits:

  • Discount of up to 35% on base rates by choosing the “Pay Now” option at participating locations in Canada and the United States.
  • Possibility to add an additional driver at no extra cost.
  • Multiple discount coupons and free enrollment in Fastbreak, ensuring expedited access to the vehicle.

Certain CIBC cards also offer complementary services, such as a Garmin GPS, extended roadside assistance, or options for fuel and child safety seats.

All information can be found here.

BMO Credit Cards

BMO credit cards offer significant benefits for vehicle rentals with National, Enterprise, and Alamo. In addition to a discount of up to 25% on the base rental rate, some cards offer additional benefits such as more points on this purchase category.

To book, you must use the vehicle rental tool at partners.rentalcar.com/bmo

Here are some examples of cards that offer car rental benefits:

Aeroplan Credit Cards

Aeroplan-affiliated credit card holders 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.

In addition, you earn one Aeroplan point for every dollar spent with Avis. For full details regarding the partnership between Aeroplan and Avis, consult this page.

TD Credit Cards

The TD program works in a specific way by offering a minimum saving:

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

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

These cards also include complementary benefits, such as travel insurance and popular loyalty programs, which is very interesting for travelers.

MBNA Credit Cards

MBNA offers a simplified approach similar to TD for car rentals with the following benefits:

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

The originality of the MBNA offer lies in the use of a link with a unique code applicable to all their cards, thus simplifying its 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 benefit from attractive advantages for vehicle rentals 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, RBC Avion Rewards Premium members benefit from exclusive advantages at Hertz, which enhance this international offer. Indeed, as a premium member, you can also enjoy 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 pleasant.

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

At Hertz:

  • Up to 25% discount on rental rates, which is perfect for saving on your trips.
  • Young drivers do not have to worry about additional fees.
  • Possibility to add a driver at no extra cost.
  • You are automatically enrolled in Five Star status in the Hertz Gold Plus Rewards program.
  • The Prestige Collection is discounted 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% discount on rates, a good boost for your travel budget.
  • No additional fees for young drivers.
  • You can add a driver at no extra cost.

To organize your rental, call Thrifty at 1-800-847-4389 and Dollar at 1-800-800-4000, or take a look at their websites for more info.

Summary of credit card benefits or discounts on car rentals

BankAgencyDiscount/Benefits
American ExpressAvis, HertzAccess to Avis Preferred and Hertz Gold Rewards — Five Star status (upgrades, expedited service, comprehensive insurance)
ScotiabankAvis, BudgetUp to 25% discount on the base rate (specific promotional codes and access to the Avis® Preferred Plus program, upgrades, dedicated service)
CIBCBudgetUp to 35% discount on the base rate with the “Pay Now” option, FastBreak
BMONational, Enterprise, AlamoUp to 25% discount on the base rate
AeroplanAvisAccess to Avis Preferred or Avis President’s Club status
TDAvis, BudgetMinimum 10% discount on the base rate in Canada and the United States
MBNAAvis, Budget10% discount on the base rate in Canada and the United States, 5% elsewhere, with a simplified unique code
RBCAvis, Budget, HertzUp to 20% discount on the base rate and 10% discount on the price of fuel per liter
DesjardinsHertz, Thrifty, DollarUp to 25% discount at Hertz and up to 10% at Thrifty and Dollar

Conclusion

Choosing the right credit card can make all the difference when it comes to renting a vehicle; the cards presented in this guide allow you to benefit from price discounts and premium advantages in addition to being able to use your points to reduce the bill even further. From complementary insurance to free upgrades and preferential rates, each card offers assets tailored to 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 improve your comfort on long roads and lighten your budget on your next trips.

Come to discuss that topic in our Facebook Group!
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 83 countries, Aline shares her travel passion and insights to help others make the most of loyalty programs.
All posts by Aline Nguyen

Receive our newsletter every week!

Savings this way:

Milesopedia