Cardholder registration site: www.visasavingsedge.com
Visa SavingsEdge gives enrolled Visa Business cardholders ways to save on qualified business purchases using an enrolled Visa Business card with Everyday Offers—savings that are automatically available after you enroll—and Activate Offers—limited-time savings that you must activate to be eligible. Discounts require no coupons or codes, because they are applied as statement credits on enrolled Visa Business cardholders' future account statements. Select offers may require activation.
Terms and Conditions
Visa SavingsEdge is a discount program ("Program") offered by Visa U.S.A. Inc. ("Visa" "we" and "us") to each eligible corporation limited liability company partnership and sole proprietor ("Business") that holds a Visa Business Credit Card Visa Business Platinum Credit Card Visa Business Check Card Visa Business Platinum Check Card and/or Visa Business Signature Card issued by an Issuer participating in the Program (each a "Visa Business Card" and "Card") whose enrollment in the Program is accepted by Visa.
These terms and conditions ("Terms and Conditions") apply both to the Business and each individual who uses a Card through the Business ("Cardholder" and "you"). Each Cardholder must also be authorized to use the Visa Business Card by the financial institution issuing such Card ("Issuer") pursuant to the payment card agreement ("Card Agreement") between the Business and the Issuer. The Business shall be jointly and severally responsible for any use of Cards and participation in the Program by Cardholders. By participating in the Program the Business and each Cardholder agree to be bound by these Terms and Conditions as applicable to each as provided herein.
Each Cardholder must sign up and be accepted by Visa as a participant in the Program in order to be eligible for discounts. Alternatively, the Business can directly enroll Cardholders and Cards in the Program. Under the Program Cardholders will receive discounts from merchants participating in the Program ("Merchant") each time such Cardholder uses an eligible Visa Business Card that is enrolled in the Program to make a purchase that meets the terms and conditions of an active discount offer (each a "Discount Offer") (including, in some cases, the requirement to 'activate' the offer for your Cards prior to making a purchase, as discussed below) and that transaction is processed or submitted through the Visa payment system (each a "Qualifying Purchase" as more fully described below). The Card Agreement will continue to govern use of the Visa Business Card(s) by the Business and Cardholders. In the event of a conflict between the Card Agreement and these Terms and Conditions, the Card Agreement will govern except that these Terms and Conditions will govern and control with respect to all matters relating to the Program. These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of California without reference to its conflict of laws provisions. The Business and each Cardholder agree that any dispute arising from or in connection with these Terms and Conditions and/or the Program shall be resolved exclusively in the state and federal courts residing in San Francisco County California.
Changes to the Program
We have the right to modify, restrict, limit, or change the Program in any way and at any time. Changes may include but are not limited to: changing the participating Merchants; changing the specific details requirements or qualifications of a Discount Offer; adding or removing Discount Offers; changing the duration of any Discount Offer; and changing these Terms and Conditions. We will notify the Business and Cardholders of material changes to the Program and/or to these Terms and Conditions by notice provided on the program website at http://www.visasavingsedge.com (the "Program Website") and you should check the Program Website from time to time for such changes. We also reserve the right at any time to suspend or cancel the Program. We also reserve the right to suspend or cancel any Business' and/or Cardholder's enrollment in the Program without notice unless required by applicable law including without limitation where we believe you are abusing or wrongfully using the Program. Merchants may also suspend or cancel the ability of Business and/or any Cardholder to qualify for a discount for any transaction at that Merchant without notice unless required by applicable law.
Businesses and authorized Cardholders in the United States that hold an eligible Visa Business Card and are in good standing are eligible to apply for enrollment in the Program. We reserve the right to determine in our sole discretion whether any Business or Cardholder may enroll in the Program.
To participate in the Program you must be authorized by the Business to enroll your eligible Card in the Program and accept these Terms and Conditions on behalf of yourself and the Business. Moreover, the Business must: (a) be party to a valid Card Agreement (b) be approved by Visa to enroll or authorize enrollment of one or more Visa Business Cards in the Program (c) control Cardholder access to Visa Business Cards and (d) agree to these Terms and Conditions. With respect to Businesses by checking the applicable agreement box, the signatory represents that he or she is an authorized signatory for the Business under the Card Agreement and that the Business agrees to these Terms and Conditions. With respect to Cardholders by checking the applicable agreement box, you represent that you are authorized to enroll the Card in the Program and that you agree to these Terms and Conditions.
In order to enroll Visa Business Cards in the Program the Business and/or Cardholder must follow the instructions on the Program Website. Each Visa Business Card number must be enrolled separately and will be treated as a separate account even if two or more Visa Business Card numbers are associated with the same credit checking or other underlying accounts. If there are multiple Visa Business Cards with the same card number that Visa Business Card number may only be enrolled once. By enrolling a Visa Business Card number or permitting a Visa Business Card to be enrolled the Business represents that the individual enrolling that number is authorized to enroll all of the Visa Business Cards with that number. There is no cost to the Business to enroll a Visa Business Card in the Program or for Cardholders to use Cards to participate in the Program.
While enrolling in the Program on the Program Website the Business and/or each Cardholder will be required to provide an email address and select a password that must be entered in order to access the Program Website. The Business and/or Cardholder as applicable will receive a confirmation message at time of enrollment if Visa approves enrollment of the Visa Business Card(s) in the Program. The Business is responsible for ensuring and protecting the security of passwords and for any activity conducted at the Program Website through its email addresses and associated passwords.
For some Discount Offers, you must activate the offer for your enrolled Card(s) prior to making a purchase. These are referred to on the Program Website as "Activate Offers" or other similar terms. You must enable Activate Offers on an offer-by-offer basis; when you enable an Activate Offer, all of the Visa Business Cards associated with your Program account will be will be enabled for that Activate Offer.
The enrolled Business and/or participating Cardholders will receive a discount at Merchants only for Qualifying Purchases that are in full compliance with the terms of the applicable Discount Offer as shown on the Program Website, which may include the requirement to 'activate' a specific Discount Offer prior to making a purchase. A "Qualifying Purchase" is further defined as any signature-based purchase Internet purchase phone or mail order purchase bill payment contactless purchase (a purchase made by holding your Visa card or other device up to a secure reader instead of swiping your card) or small dollar purchase for which you are not required to sign made with an enrolled Visa Business Card which is processed or submitted through the Visa U.S.A. Inc. payment system. Do not use a Personal Identification Number (PIN) when paying for your purchases with your enrolled Visa Business Card if you want to receive a Merchant discount for such purchase. PIN-based purchases, purchases you initiate through identification technology that substitutes for a PIN Interlink-processed transactions payments made for pre-paid and re-loadable cards such as certain gift cards Visa Buxx and similar cards payments made for payment instruments that can readily be converted to cash (for example travelers cheques money orders wire transfers and similar products or services) or transactions that are not processed or submitted through the Visa U.S.A. Inc. payment system are not Qualifying Purchases. We reserve the right to determine in our sole discretion whether a Visa Business Card transaction is a Qualifying Purchase.
Each Discount Offer will be subject to additional terms and conditions specific to the Discount Offer. These terms and conditions may address such matters as the requirement to 'activate' the Discount Offer prior to making a purchase, the level of discount for the Discount Offer, the expiration date of the Discount Offer the purchase or other requirements, limitations, or restrictions associated with the Discount Offer. You cannot qualify for a Discount Offer once the Discount Offer is removed from the Program. Participating Merchants may offer discounts on purchases of goods or services at their physical locations in the United States on their websites or by telephone or mail orders. The details, terms and conditions applicable to such Discount Offer are determined by us and the Merchant in our respective sole discretions. Please refer to the Program Website for additional Discount Offer terms and conditions and Program information.
Discount Offers may be subject to availability. Discount Offers are also subject to any applicable law or regulation that may restrict or prohibit certain sales including without limitation the sale of goods and services in certain restricted categories. Businesses, Cardholders and the applicable Merchant are each responsible for compliance with all laws related to the Discount Offer including the payment and collection of any federal state or local taxes.
Once a Visa Business Card is enrolled in the Program the discount the Business or Cardholder receives from a Qualifying Purchase will be automatically credited to the applicable participating Visa Business Card account. The Discount Offer credit will not appear on the receipt at the Merchant's point of sale. A Discount Offer credit will be posted to the applicable Card statement for each Qualifying Purchase but may be posted on a Card statement following the Card statement on which the related Qualifying Purchase is posted. A posted Discount Offer credit may be reversed in Visa's sole discretion for any returns adjustments or chargebacks relating to a Qualifying Purchase. The reversal of any Discount Offer credit will appear on a future Card statement.
You are not eligible to receive any Discount Offers and/or statement credits while your Visa Business Card account is not in good standing. Any transactions entered into by the Business or a Cardholder during such time will not be deemed a Qualifying Purchase and forfeited from Program eligibility.
Communications with Program Participants
The Program Website will present information regarding current Discount Offers at the Merchant Discount Offer web page. By using the Program Website we may make electronic communications to you including through emails and/or postings to the Program Website (and mobile-based communications such as SMS messages if you opted-in to receive such mobile-based communications). All electronic communications from us to you shall be deemed to be communications "in writing" and deemed delivered to you no later than the earlier of the date actually received or five days from the date of posting or dissemination.
By enrolling a Visa Business Credit and Check Card in the Program you agree to advise us of any changes in the email address(es) for the Business and/or Cardholders by updating the Business' Program profile on the Program Website. If you would like to retain a copy of these Terms and Conditions please print a paper copy.
You may elect to receive information of a promotional nature about the Program via email by so indicating on the Business profile on the Program website or in connection with Program enrollment. If you elect to receive such promotional information we may from time to time send you promotional emails containing selected Discount Offers or other offers from select Issuers and Merchants to the respective email address(es). If you would like to change your election to receive these promotions at any time please visit the Program Website to update the Business' Program profile or use the unsubscribe link or address contained within each promotional email.
In addition, you may elect to receive mobile-based communications (such as SMS messaging) related to your Program account and/or promotional messages by so indicating on the Business' Program profile or in connection with Program enrollment. Although mobile-based messaging features are not yet available we plan to make these convenient features available in the future. If and when they are available we will send mobile-based messaging (Program-related and/or promotional in nature depending on the election) directly to the mobile telephone number(s) you provide in connection with your election. To receive these mobile-based communications you must maintain at your own cost a mobile telephone capable of sending and receiving text messages. Standard text message rates apply to each text message sent and received in connection with this feature. Please see your wireless provider for pricing plan details. If you would like to change your election to receive these mobile-based communications at any time please visit the Program Website to update the Business' Program profile or follow the unsubscribe information contained in each mobile-based message. Please allow sufficient time for us to process your request.
Canceling Program Participation
You may cancel your participation in the Program at any time by visiting the Program Website. A Business may also cancel the participation of any Cardholder within its organization in the Program at any time by visiting the Program Website. Revoked statement credits based on returns adjustments or chargebacks with respect to a Qualifying Purchase made on an enrolled Visa Business Card may be completed in Visa's sole discretion after the cancellation of the Business' enrollment or a Cardholder's participation in the Program. If a Business or Cardholder closes the Visa Business Card enrolled in the Program the Cardholder and the Visa Business Card will be automatically removed from the Program as well.
Lost, Stolen or Damaged Cards
If a Visa Business Card enrolled in the Program is lost, stolen or damaged first call the Issuer at the telephone number provided in the Card Agreement to request a replacement Card from the Issuer. Please be aware that the replacement card may have a different Card number. You will be eligible for the Discount Offers even if an enrolled Visa Business Card is lost stolen or damaged. However you will have to enroll the replacement Visa Business Card on the Program Website if the new replacement Card is issued by the Issuer with a different Card number. In such case the previously enrolled Card will be removed from the Program. However Qualifying Purchases made through unauthorized purchases from a lost or stolen Card or Card number will not be eligible for any discounts under the Program.
If you have questions regarding Program features and/or would like information about Merchant offers please visit the "Frequently Asked Questions" page and the Merchant Offer Description web page on the Program Website.
If you encounter problems while applying to enroll your Visa Business Card(s) in the Program and/or while updating the Business' Program profile on the Program Website please contact Visa Customer Care at 1-888-466-9227.
If you have any questions regarding any Qualifying Purchases, Discount Offers and/or statement credits related to the Program please contact Visa Customer Care at 1-888-466-9227 for investigation and/or referral to the Issuer as appropriate.
If you have any other questions regarding your Visa Business Card please contact the customer service representative at the Issuer. The Issuer's contact information may be on the back of the Visa Business Card or in the Card Agreement.
Disclaimers and Limitations
Visa is not responsible for resolving any questions or disputes regarding Discount Offers. the crediting of a Discount Offer to your Card account or the handling of returns disputes and chargebacks with respect to a Qualifying Purchase. Without limiting the previous sentence all questions and disputes are subject to the Card Agreement and except as specifically set forth above under "Customer Service" must be directed to the Issuer for resolution. Any required arbitration or other dispute resolution process provided for in the Card Agreement shall apply to your participation in the Program.
Visa is not responsible for the products or services purchased through Qualifying Purchases. You may be subject to additional terms and conditions, warranties or other requirements of the Merchant and the product's manufacturer or the service provider. Visa disclaims all representations or warranties express or implied, including without limitation those regarding quality, suitability, merchantability, fitness for a particular purpose or otherwise with respect to the Program, Discount Offers and any goods or services sold by Merchants in connection with the Program.
In no event shall Visa, its affiliates or any of its directors, officers, employees, agents or subcontractors (collectively "Visa Parties") be liable under any theory of tort contract strict liability or other legal theory for lost profits, lost revenues, lost business opportunities, exemplary, punitive, special, incidental, indirect or consequential damages, each of which is hereby excluded by agreement of the parties, regardless of whether such damages were foreseeable or whether any party or any entity has been advised of the possibility of such damages. Visa Parties are not liable for any injury, damage, or loss to person or property or any expense accident or inconvenience that may arise from your participation to the Program or the use of products or services purchased through Qualifying Purchases.
Visa Parties are not responsible for any error, malfunction or problem of any kind, whether human, mechanical, typographical printing, network or electronic, relating to or in connection with this Program, including without limitation errors, malfunctions or problems which may occur in connection with the administration of the Program, the processing of Qualifying Purchases and/or discounts or the presentation of Discount Offers. Persons found tampering with or abusing any aspect of the Program as solely determined by Visa will be removed from the Program and all associated Qualifying Purchases and/or discounts will be cancelled and voided.
The Business and each Cardholder jointly and severally agree to indemnify and hold the Visa Parties harmless from and against all losses, liabilities, damages and expenses resulting from or arising out of the Business' enrollment and the participation of any Cardholder in the Program including without limitation any damage relating to the use of products and services acquired though Qualifying Purchases.
By enrolling in the Program the Business and each Cardholder hereby release Visa Parties from any claim liability or damage relating to the Program or the use of any Discount Offers. The Program and/or any Discount Offers under the Program are void where prohibited by applicable law. Notwithstanding anything in these Terms and Conditions to the contrary Visa and all providers of services to the Program shall have no liability to the Business or any Cardholder in connection with the Program.
Visa may share aggregated information about ineligible cards submitted for enrollment in the Program with the Issuers of such cards; provided however that the information shared will not personally identify any cardholder.
As a part of the Program transaction information will be shared between Merchants Issuers and Visa (and/or their respective service providers) in order to process your statement credits and to generally make the Program available to you. In addition certain information about your clickstream activity and additional transaction information may be shared between the Merchant, your Issuer and Visa on either an aggregate (non-personally identifiable) or a personally identifiable basis and such information will be subject to each party's respective privacy policies and practices.
As a Visa cardholder, you have access to Roadside Dispatch®, a pay-per-use roadside assistance program.
Simply call 1-800-847-2869, 24 hours a day/7 days a week and Roadside Dispatch® will ask you where you are, what the problem is, and will remain on the phone while arranging a dispatch to a reliable tow operator or locksmith – you pay set rate per service call. No membership required and you don’t need to pre-enroll. No annual dues. No limit on usage.
Add Peace of Mind to your Itinerary
For a set price per service call, the program provides:
Standard Towing — Up to 5 miles included¹
Tire Changing — must have good, inflated spare tire
Lockout Service (no key replacement)
Fuel Delivery — up to 5 gallons (plus the cost of fuel)
Not only will you not have to search for the name of a local tow operator, you may even save money because rates are pre-negotiated. All fees are conveniently billed to your Visa account.
Note: Customers must pay service provider for mileage over 5 miles. A secondary unit being towed behind is not included but can be accommodated for an additional fee. Standard Winching applies within 100 feet of paved or county maintained road only. Current fee for a standard service call is $69.95. Additional fees may apply for winching services under certain circumstances. Service call fees are subject to change at any time; however callers will be notified of pricing prior to any service dispatch. This program may be discontinued at any time without prior notice. Program void where prohibited.
1 Any vehicle with wheels is covered under the program as long as it can be classified as ‘Light Duty’. ‘Light Duty’ vehicles are vehicles that weigh 10,000 lbs. or less. Vehicles weighing more than 10,000 lbs. are considered ‘Medium Duty’ or ‘Heavy Duty’ and are NOT covered under this program.
Additional Terms: Service providers supplying emergency roadside assistance and towing are independent contractors and are solely liable for their services. Neither Visa nor Northwest Federal Credit Union shall have any responsibility or liability in connection with the rendering of the service. Emergency roadside assistance and towing may not be available in areas not regularly traveled, nor in other “off road” areas not accessible by ordinary towing vehicles. Weather conditions, time of day, and availability of service may affect assistance responses. Expectations for dispatch are set with the customer on every call, and an expected estimated time of arrival is provided to the customer regardless of their location; however, neither Visa nor Northwest Federal Credit Union provides any assurances as to the ability of the Service Provider to meet such estimates. You are responsible for any roadside assistance or towing charges incurred by facilities responding to your request even if you are not with your vehicle or your vehicle is gone upon their arrival. Services provided by United States Auto Club, Motoring Division, Inc.
Cardholder Inquiry Service
Cardholder Inquiry Service provides customer phone support for general inquiries and provides product or service information to all Visa cardholders.
Benefit at a glance
24-hour cardholder information and assistance by phone to all Visa cardholders calling from anywhere in the world, provided by Visa Global Customer Care Services. Toll-free numbers are supported 24 hours a day, seven days a week.
Quick and accurate account and card benefit information.
Product and service information at your fingertips.
Customer service available in all major languages.
How it works
Cardholder Inquiry Service provides customer phone support for general inquiries and provides product/service information for Visa cardholders. Visa Global Customer Care Services team provides information regarding general account or card benefit questions.
Emergency Card and Cash Disbursement
Have a lost, stolen or damaged card? Need emergency cash?
Visa will block your card (if the card number is known) and connect you with your financial institution/Bank. Following bank approval, cardholders can also get an emergency card replacement within one to three business days*. Alternatively, Visa can arrange for cash to be available at a location near you usually within hours of your bank’s approval.
*Some restrictions/limitations apply
If your Visa card is ever lost or stolen, we’ll help you notify the appropriate parties and replace your card.
Lost/Stolen Card Reporting
With the Visa Lost/Stolen Card Reporting service, reporting a lost or stolen card is simple. Just call your Visa card issuer or Visa Global Customer Care Services at 1-800-847-2911, or call one of our global toll-free numbers and a Visa representative will work with you to notify the appropriate parties and replace your card.
Call us at any timeWe’re available by phone to help you. To find the number, just select the country/region you’re calling from in the field above.
Deactivate your cardA Visa representative will deactivate your lost or stolen credit or debit card and then notify your bank immediately. In the event your card was stolen, this may help prevent fraud.
Get a new cardVisa will work with your bank to replace your debit or credit card and ship it to you within 24 to 72 hours.
Auto Collision Damage Waiver
No cardholder wants to incur the expense of repairing or replacing a rented car. But accidents do happen, and vehicles do get stolen. No matter what happens to Your rental car, You can be covered with Auto Rental Collision Damage Waiver.
Auto Rental Collision Damage Waiver reimburses You for damages caused by theft or collision -- up to the Actual Cash Value of most rented cars. Auto Rental Collision Damage Waiver covers no other type of loss. For example, in the event of a collision involving Your rented vehicle, damage to any other driver’s car or the injury of anyone or anything is not covered. Rental periods of thirty-one (31) consecutive days are covered. (Longer rental periods, however, are not covered.)
You are eligible if Your name is embossed on an eligible card issued in the United States or if You are authorized by Your company to rent an eligible vehicle using the company’s eligible Account, as long the rental is purchased entirely with the Account. Only You, as the primary renter of the vehicle, and any additional drivers permitted by the Rental Car Agreement are covered.
How Auto Rental Collision Damage Waiver works with other insurance
Auto Rental Collision Damage Waiver covers theft, damage, valid loss-of-use charges imposed and substantiated by the auto rental company, administrative fees and reasonable and customary towing charges, due to a covered theft or damage to the nearest qualified repair facility.
If the Rental Vehicle is for commercial and/or business purposes, Auto Rental Collision Damage Waiver benefit acts as primary coverage, and You may be reimbursed for up to the actual cash value of the vehicle.
If the Rental Vehicle is for personal reasons, this benefit is secondary coverage, supplemental to Your personal automobile insurance, meaning You may only be reimbursed for the amount of Your personal insurance deductible or other charges, including valid administrative and loss-of-use charges not covered under Your personal insurance policy. If You are renting outside Your country of residence, or if You do not have automobile insurance, Auto Rental Collision Damage Waiver acts as primary coverage.
How to use Auto Rental Collision Damage Waiver
Use Your card to initiate and complete Your entire car rental transaction.
Review the auto rental agreement and decline the rental company’s collision damage waiver (CDW/LDW) option, or a similar provision, as accepting this coverage will cancel out Your benefit. If the rental company insists that You purchase their insurance or collision damage waiver, call the Benefit Administrator for assistance at 1-800-348-8472. Outside the United States, call collect at 1-804-673-1164.
Before You leave the lot, be sure to check the car for any prior damage.
This benefit is in effect during the time the rental car is in Your (or an authorized driver’s) control, and it terminates when the rental company reassumes control of their vehicle.
This benefit is available in the United States and most foreign countries (with the exception of Israel, Jamaica, the Republic of Ireland or Northern Ireland). However, this benefit is not available where precluded by law, or where it’s in violation of the territory terms of the auto rental agreement, or when prohibited by individual merchants. Because regulations vary outside the United States, check with Your auto rental company and the Benefit Administrator before You travel, to be sure that Auto Rental Collision Damage Waiver will apply.
Vehicles not covered
Certain vehicles are not covered by this benefit, they consist of expensive, exotic, and antique cars; cargo vans; certain vans; vehicles with an open cargo bed; trucks; motorcycles; mopeds; motorbikes; limousines; and recreational vehicles.
Examples of expensive or exotic cars are the Alfa Romeo, Aston Martin, Bentley, Corvette, Ferrari, Jaguar, Lamborghini, Lotus, Maserati, Maybach, McLaren, Porsche, Rolls Royce, and Tesla. However, selected models of Audi, BMW, Mercedes-Benz, Cadillac, Infiniti, Land Rover, Lexus, Lincoln, and Range Rover are covered.
An antique car is defined as one that is over twenty (20) years old, or one that has not been manufactured for ten (10) years or more.
Vans are not covered. But those designed as small-group transportation vehicles (seating up to nine  people, including the driver) are covered.
If You have questions about a specific vehicle’s coverage or organization where the vehicle is being reserved, call the Benefit Administrator at 1-800-348-8472 or call collect outside the United States at 1-804-673-1164.
Related instances & losses not covered
Any obligation You assume under any agreement (other than the deductible on Your personal auto policy)
Any violation of the auto rental agreement or this benefit
Injury of anyone, or damage to anything, inside or outside the Rental Vehicle
Loss or theft of personal belongings
Expenses assumed, waived, or paid by the auto rental company, or its insurer
The cost of any insurance, or collision damage waiver, offered by or purchased through the auto rental company
Depreciation of the Rental Vehicle caused by the incident including, but not limited to, “diminished value”
Expenses reimbursable by Your insurer, employer, or employer’s insurance
Theft or damage due to intentional acts, or due to the driver(s) being under the influence of alcohol, intoxicants, or drugs, or due to contraband, or illegal activities
Wear and tear, gradual deterioration, or mechanical breakdown
Items not installed by the original manufacturer
Damage due to off-road operation of the Rental Vehicle
Theft or damage due to hostility of any kind (including, but not limited to, war, invasion, rebellion, insurrection, or terrorist activities)
Confiscation by authorities
Vehicles that do not meet the definition of covered vehicles
Rental periods that either exceed, or are intended to exceed thirty-one (31) consecutive days
Leases and mini leases
Theft or damage as a result of the authorized driver’s and/or cardholder’s lack of reasonable care in protecting the Rental Vehicle before and/or after the damage or theft occurs (for example, leaving the car running and unattended)
Theft or damage reported more than forty-five (45) days* after the date of the incident
Theft or damage for which a claim form has not been received within ninety (90) days* from the date of the incident
Theft or damage for which all required documentation has not been received within three hundred and sixty-five (365) days after the date of the incident
Theft or damage from rental transactions that originated in Israel, Jamaica, the Republic of Ireland, or Northern Ireland
*Not applicable to residents in certain states
Filing a claim
It is Your responsibility as a cardholder to make every effort to protect Your Rental Vehicle from damage or theft. If You have an accident, or Your Rental Vehicle has been stolen, immediately call the Benefit Administrator at 1-800-348-8472 to report the incident, regardless of whether Your liability has been established. Outside the United States, call collect at 1-804-673-1164.
You should report the theft or damage as soon as possible but no later than forty-five (45) days from the date of the incident.
The Benefit Administrator reserves the right to deny any claim containing charges that would not have been included, if notification occurred before the expenses were incurred. Thus, it’s in Your best interest to notify the Benefit Administrator immediately after an incident. Reporting to any other person will not fulfill this obligation.
What You must submit to file a claim
At the time of the theft or damage, or when You return the Rental Vehicle, ask Your car rental company for the following documents:
A copy of the accident report form
A copy of the initial and final auto rental agreements (front and back)
A copy of the repair estimate and itemized repair bill
Two (2) photographs of the damaged vehicle, if available
A police report, if obtainable
A copy of the demand letter which indicates the costs You are responsible for and any amounts that have been paid toward the claim.
Submit all of the above documents from the rental company, along with the following documents, to the Benefit Administrator:
The completed and signed Auto Rental Collision Damage Waiver claim form (Important: This must be postmarked within ninety (90) days* of the theft or damage date, even if all other required documentation is not yet available – or Your claim may be denied).
A copy of Your monthly billing statement (showing the last four  digits of the Account number) demonstrating that the entire rental transaction was made on Your eligible Account.
If the rental was for personal use, a statement from Your insurance carrier (and/or Your employer or employer’s insurance carrier, if applicable), or other reimbursement showing the costs for which You are responsible, and any amounts that have been paid toward the claim. Or, if You have no applicable insurance or reimbursement, a statement of no insurance or reimbursement is required.
If the rental was for personal use, a copy of Your primary insurance policy’s Declarations Page (if applicable), to confirm Your deductible (This means the document(s) in Your insurance policy that lists names, coverages, limits, effective dates, and deductibles).
Any other documentation required by the Benefit Administrator to substantiate the claim.
Finally, please note that all remaining documents must be postmarked within three hundred and sixty-five (365) days* of the theft or damage date or Your claim may be denied.
*Not applicable to residents of certain states.
For faster filing, or to learn more about Auto Rental Collision Damage Waiver, visit www.eclaimsline.com
Finalizing Your claim
Your claim will typically be finalized within fifteen (15) days, after the Benefit Administrator has received all the documentation needed to substantiate Your claim.
Transference of claims
Once Your claim has been paid, all Your rights and remedies against any party in regard to this theft or damage will be transferred to the Benefit Administrator, to the extent of the cost of payment made to You. You must give the Benefit Administrator all assistance as may reasonably be required to secure all rights and remedies.
Account means Your credit or debit card Accounts.
Actual Cash Value means the amount a Rental Vehicle is determined to be worth based on its market value, age and condition at the time of loss.
Eligible Person means a cardholder who pays for their auto rental by using their eligible Account.
Rental Car Agreement means the entire contract an eligible renter receives when renting a Rental Vehicle from a rental car agency which describes in full all of the terms and conditions of the rental, as well as the responsibilities of all parties under the contract.
Rental Vehicle means a land motor vehicle with four or more wheels as described in the participating organization’s disclosure statement which the eligible renter has rented for the period of time shown on the Rental Car Agreement and does not have a manufacturer’s suggested retail price exceeding the amount shown on the participating organization’s disclosure statement
You or Your means an Eligible Person who uses their eligible card to initiate and complete the rental car transaction.
Additional provisions for Auto Rental Collision Damage Waiver
Signed or pinned transactions are covered as long as You use Your eligible Account to secure the transaction.
You shall do all things reasonable to avoid or diminish any loss covered by this benefit. This provision will not be unreasonably applied to avoid claims.
If You make any claim knowing it to be false or fraudulent in any respect, no coverage shall exist for such claim, and Your benefit may be cancelled. Each cardholder agrees that representations regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentation of material fact.
No legal action for a claim may be brought against the Provider until sixty (60) days after the Provider receives Proof of Loss. No legal action against the Provider may be brought more than two (2) years after the time for giving Proof of Loss. Further, no legal action may be brought against the Provider unless all the terms of the Guide to Benefits have been complied with fully.
This benefit is provided to eligible cardholders at no additional cost. The terms and conditions contained in this Guide to Benefits may be modified by subsequent endorsements. Modifications to the terms and conditions may be provided via additional Guide to Benefits mailings, statement inserts, statement messages or electronic notification. The benefits described in this Guide to Benefits will not apply to cardholders whose Accounts have been suspended or cancelled.
Termination dates may vary by financial institutions. Your financial institution can cancel or non-renew the benefits for cardholders, and if they do, they will notify You at least thirty (30) days in advance. Indemnity Insurance Company of North America (“Provider”) is the underwriter of these benefits and is solely responsible for its administration and claims. The Benefit Administrator provides services on behalf of the Provider.
After the Benefit Administrator has paid Your claim, all Your rights and remedies against any party in respect of this claim will be transferred to the Benefit Administrator to the extent of the payment made to You. You must give the Benefit Administrator all assistance as may reasonably be required to secure all rights and remedies.
This benefit does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit the provision of insurance, including, but not limited to, the payment of claims.
FORM #BCDW01 – 2017 (04/17) ARCDW-B
For more information about the benefit described in this guide, call the Benefit Administrator at 1-800-348-8472, or call collect outside the U.S. at 1-804-673-1164.