Although I didn't actually state what you put in quotes, I use my Chase Sapphire Preferred card outside the USA which does indeed offer primary CDW (even in the USA) and no foreign fees. What I was alluding to in my prior post though, is if one's personal auto insurance is not valid outside the USA (for USA citizens), then your credit card's secondary CDW coverage essentially becomes primary because you have no other primary coverage (subject to your card's limits and exclusions).