How Credit Cards Help You Skip Rental Car Lines (and Get Better Cars for the Same Price)
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If you want to see which travel cards we actually use to unlock perks like rental car elite status, I keep an updated list here:
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The Moment I Stopped Waiting in Rental Car Lines
You know that moment after a long travel day…
You’ve landed.
You’ve grabbed your bags.
Your kids are tired.
And then you walk into the rental car area and see a line of 30+ people.
That used to be us.
We would stand there, waiting 30–45 minutes just to get keys. It always felt like the worst way to start a trip.
Then one trip, everything changed.
We walked straight past the line.
Out to the parking lot.
Picked a bigger SUV.
Loaded our bags.
And left within minutes.
Same reservation. Same price.
The difference?
We had rental car elite status—thanks to a credit card.
The Secret Most People Miss About Rental Cars
Most people think rental car perks come from:
- Renting cars frequently
- Spending thousands of dollars
- Loyalty programs over time
But here’s the shortcut:
Certain travel credit cards give you instant rental car elite status.
No rentals required.
And that status unlocks real-life benefits that make travel so much easier—especially with kids.
What Rental Car Elite Status Actually Gets You
This is not just a “nice to have” perk.
This is a time-saving, stress-reducing, trip-improving benefit.
Here’s what you can expect:
- Skip the rental counter entirely
- Walk straight to your car
- Choose your own vehicle from the lot
- Complimentary upgrades (when available)
- Faster service and priority access
- Free additional driver (in many cases)
At some airports, you don’t talk to a single person—you just grab a car and go.
The Best Rental Car Programs (and Why They Matter)
Not all rental car companies work the same way. Choosing the right one can completely change your experience.
National Emerald Club (Best for Families)
This is hands-down my favorite when traveling with kids.
With Executive status, you can:
- Skip the counter and go straight to the lot
- Choose any full-size (or better) vehicle from the Executive area
- Pay only the midsize rate
This is where we consistently find SUVs and even minivans without paying extra.
If you’ve ever stressed about luggage space or fitting everyone comfortably—this is a game changer.
Hertz Gold Plus Rewards (Best for Upgrades)
Hertz is a great option if you want access to better vehicles.
Top-tier status can include:
- Skipping the counter
- Access to a wider selection of cars
- Guaranteed upgrades at higher tiers
- Bonus earning on rentals
If you like having better car options or want a smoother pickup experience, this is a strong choice.
Avis Preferred (Most Consistent Experience)
Avis is reliable and easy to use across many airports.
With elite status, you can expect:
- Priority service
- Skipping the counter at many locations
- Complimentary upgrades (when available)
- Faster pickup process overall
It’s a solid, dependable option when National or Hertz pricing doesn’t work.
Enterprise Plus (Underrated Option)
Enterprise doesn’t get talked about as much, but it’s incredibly useful—especially in smaller cities.
Perks include:
- Free membership
- Points toward free rental days
- Complimentary upgrades at higher tiers
It’s also a great backup when airport options are expensive or limited.
How to Activate These Benefits (Most People Skip This Step)
Here’s the most important part:
These perks are not automatic.
Even if you already have the right credit card, you still need to activate them.
Here’s how:
- Create a free account with the rental company
(National, Hertz, Avis, etc.) - Log into your credit card benefits portal
- Find the rental car benefit and click “enroll”
- Link your accounts
That’s it.
This takes about 3 minutes—and it completely changes your rental experience.
You Can Even Match Status Across Companies
Once you have status with one company, you can often match it to others.
That means:
- More flexibility when booking
- More options at different airports
- More chances to get upgrades and skip lines
This is one of the easiest ways to maximize a single benefit.
Don’t Forget: You Can Save Money on Rentals Too
Skipping the line is amazing—but you should also be saving money on the rental itself.
I walk through exactly how to:
- Find the best rental prices
- Use points to cover rentals
- Use credit card coverage instead of paying for insurance
Read that here:
How to Save Big on Rental Cars (Plus How to Use Credit Card Coverage & Points)
This pairs perfectly with elite status.
Why This Matters More Than You Think
This is one of those perks that doesn’t just save money.
It saves your energy.
It removes friction from your trip.
It makes travel feel easier—especially when you’re traveling with kids after a long day.
And those are the things that actually make a difference.
Want Help Setting This Up?
If you want to see which cards unlock these rental car perks (and which ones make the most sense for your travel style), I keep everything updated here:
You can also DM me RENTAL on Instagram, and I’ll walk you through exactly how to set this up step-by-step.
Final Thoughts
You don’t need to rent cars more to travel better.
You just need to know how to use the tools you already have.
And sometimes, the difference between a stressful travel day and a smooth one…
…is just a 3-minute setup before your trip.
Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
I found out about points and miles accidentally.
I was researching index funds and happened upon the points and miles community through creators who also post about budgets, financial independence, and investing.
Points and miles allowed those people to travel and work toward financial independence simultaneously.
Thank goodness I got started when I did. The past almost two years of travel have been something we will never forget.
Earning points and miles through credit cards is only a good choice if you have the financial discipline to use them, like cash/debit cards.
Since we started traveling with points and miles, we have had more money going into our investment and savings accounts than ever.
Now I'm excited to teach you!
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