What requirements, restrictions to expect to rent with debit

Restrictions vary, but rental car agencies impose many on debit users

Renting a car with no credit card? It can be done, but rental car agencies impose many restrictions and extra demands on debit card users. CreditCards.com surveyed 45 rental car agencies to find out how hard they make it on debit users. Here's a summary of what we found:

CreditCards.com surveyed 45 rental car locations -- five each from nine of the nation's largest rental car companies -- in 45 cities across the United States to see whether they allow debit cards to be used. 
Debit allowed, no restrictions
Debit allowed, with restrictions
Debit not allowed
1 40 4
Most-common restrictions

Here are the most-common extra demands placed on debit card renters, and the number of times they were demanded. Some agencies impose more than one additional requirement.

  • 24: Hold of additional funds.
  • 10: Credit check.
  • 8: Full-coverage car insurance.
  • 7: Copy of return airline ticket or e-ticket itinerary.
  • 6: Debit connected to a major credit card brand, such as Visa or MasterCard.
  • 6: Age restriction.
  • 5: Show utility bill.
  • 4: Show proof of employment/income.
  • 4: Address on driver's license or passport must match pay stub or utility bill
  • 1: Can't leave the state.

See related: 2009 survey of debit card policies at major United States rental car companies

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Updated: 03-26-2019