Does credit card rental insurance work at SeaTac CONRAC?
Verified: 2026-06-10
At a glance
Yes — if you decline agency CDW/LDW and pay with a qualifying card (Amex Platinum, Chase Sapphire Reserve, etc.).
What to know
Waiver math, claim prep & dashcam/disclosure — not duplicate shuttle tables
Coverage planning guide
Shuttle & pickup
Terminal Islands 1 & 16 → CONRAC (3150 S 160th St, SeaTac, WA 98188)
| Band | Wait | Note |
|---|---|---|
| Off-peak | 5–8 min | Weekday daytime |
| Peak | 10–15 min | Rush hours |
| Friday PM | 12–18 min | ~6 PM band |
Out-the-door fees
| Kayak base rate | ~$57/day |
| Facility charge (CFC) | $7/day |
| Concession recovery (ACRF) | 11.1% (~$6/day) |
| Est. out-the-door | ~$70/day |
What to expect on your trip
- CONRAC agencies may equip select vehicles with dashcam or GPS telematics — exterior walk-around photos before leaving the garage protect you if prior damage is disputed.
- Prior collision or damage history on your driving record does not automatically void CDW/LDW, but counters may raise deposit holds ($200–$750) or restrict exotic/SUV classes.
- Decline agency CDW/LDW in writing, charge the full rental to one qualifying card, and keep the contract — card issuers require all three for collision claims.
- Coverage is typically up to the actual cash value of the vehicle with exclusions for exotic cars, trucks over 26,000 lbs, and off-road use.
- At CONRAC you must initial the decline box on the rental agreement — agents are trained to upsell; declining is legal in Washington.
Honest heads-up
Know this
Kayak averages hide CFC (~$7/day) and ACRF (11.1%) stacked on base rates. Compare all-in daily cost, not headline $/day.
Know this
Deposit holds are often confused with charges. At CONRAC, holds typically release 5–14 business days after return depending on bank batching.
Topic FAQs
Do I need photos if using credit card coverage?
Yes — photograph the vehicle at pickup and any incident scene. Card claims require the signed decline box, full rental charged to one card, and repair estimates.
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