We just used our Venture no fee card to rent a car this week. I called the company before I left to let them know I was traveling outside the country and mentioned car rental. They told me it was covered (the collision part of it). BTW those points can be used in a variety of ways including putting money back on the card. Check both options out and figure out what fits you the best. We usually travel only once a year and try to pay cash for most of our purchases so the points don't help us as much. We do charge purchases and dental appts. in Canada so it helps us then as well.