Chase Ink Business Card Rental Car Coverage: How It Works

Ben - everyone always talks about cellphone coverage as an option for the various cards however all the majors seem to provide a discount for auto pay (VZ it's $10 per line) and you can't use your credit card unless it's the VZ visa. Who is actually able to take advantage of this and how are they actually paying with the card? Also for some $10 a month might be small price to pay but across multiple lines it adds up quick.

That’s only partly correct (Per ChatGPT):

"The New York limitation applies to Chase consumer-card rentals within the U.S.; Sapphire coverage remains primary abroad. More importantly here, Ink business-card coverage remains primary for qualifying business rentals—even for New York residents. A personal U.S. rental on an Ink is secondary, but that’s generally true nationwide.

For a New York resident:

Chase Sapphire personal cards: coverage is generally secondary for rentals within the United States if you have personal auto insurance. This New York-specific limitation was added to Chase consumer cards in 2024.
Rentals outside the United States: coverage remains primary, even for New York residents.
Chase Ink business cards, business-purpose rental: coverage is primary in the U.S. and abroad, including for New York residents. Chase explicitly advertises Ink coverage as primary when renting for business purposes. (Chase Ink Preferred)
Chase Ink card, personal rental within the U.S.: secondary if you have personal auto insurance—but that’s generally true for Ink cardholders nationwide, not uniquely New Yorkers.
If you have no applicable personal auto insurance: the card benefit can effectively become primary."