What Credit Cards and Debit Cards Do Budget Accept for Car Rentals?

What Credit Cards and Debit Cards Do Budget Accept for Car Rentals?

When it comes to car rental services, different companies have different policies, and by extension, different accepted methods of payment.

The most common payment method for car rentals is credit cards, next to which are debit cards, and then cash and other forms of payment.

The car rental service, Budget, is one of the most popular out there, and while they accept both credit and debit cards as payment, there are certain conditions that you should take note of.

It’s important to know what you would require and what you need to do to be able to use either of these payment methods, as well as which one you’re eligible for.

Before we go into details of the exact policies guiding the use of either credit or debit cards at Budget, there are some general policies regarding car rentals and payment methods that you might want to take note of;

  • Budget accepts pre-payment for their car rental service, and you can do this with either your credit or debit card.
  • When renting a car at Budget, you can’t use a debit or credit card that does not belong to you even if you have the owner’s permission. The card used must contain the same details as all your other documents.
  • Budget permits the use of credit or debit cards that are not issued in the U.S.
  • Irrespective of what card you want to use, Budget will put an authorized hold on your account to cover your estimated cost of the rent.

While these are general guidelines for your car rental payment at Budget, still, different locations have independent policies when it comes to acceptance and eligibility of using either credit or debit cards.

Here’s a breakdown of all the things you need to know concerning using your credit or debit cards for payment at Budget.

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Credit Cards

Using your credit card for car rental payment at Budget is pretty straightforward.

Credit cards are accepted in all locations where Budget’s services exist, although additional requirements, as well as the charge to your card, might differ. The acceptable type and issuer of cards also differ across locations.

When it comes to using your credit card for payment at Budget, here are the things you need to know:

Authorized Hold:

You will be required to authorize Budget to put a hold of some of the funds in your credit card. There is no fixed rate for how much hold would be put because it’s usually determined by your estimated total car rental charge plus 25% or $200.

What this means is that if your total cost is less than $200, you will be charged $200. However, if it is more, you will be charged the estimated cost.

The funds withheld will not be accessible to you for the period of your rent and will be refunded based on your agreement upon the return of the car.

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Using a credit card as your payment method is accepted by all Budget branches, for all ages (within their minimum age requirement).

Card Type:

This is where you have to pay attention. Not all credit cards are accepted by Budget. Your issuer matters and the generally accepted credit cards are American Express, Discover, MasterCard, Visa, JBC/Japan Card, Optima, PHH, Budget International, and Budget Charge Card.

Please note that this list does not apply to all locations and as a result, some card types might not be accepted. You can check and confirm the accepted card types for your location on Budget’s Find My Location page.

Generally, credit cards are easy and very non-technical to use for payment at Budget car rental.

Debit Cards

Unlike credit cards, using debit cards as your payment method at Budget can be a little difficult. There are quite a number of boxes you need to tick before you can be permitted to use a debit card for your car rental.

Here are the things you need to take note of if you are considering using your debit card for payments: 


Budget does not permit the use of debit cards as a payment method for drivers under 25 years of age. This policy is general and holds irrespective of location.

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Card Type:

The accepted debit card types are MasterCard and VISA. Both cards are accepted in any Budget car rental location that accepts debit cards for payment.

Budget Credit Card Rental

Authorized Hold:

The minimum authorized hold that is required of you when using a debit card is another thing that differs based on location. However, like credit cards, the minimum is $200, although there are locations that charge up to $500.

To determine the amount held, Budget calculates your estimated cost of rent and charges that to your account.

The funds held cannot be accessible to you until vehicle return, your bank will then process it; refund can take up to two weeks before it is completely processed.

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Credit Check

For certain locations, a credit check will be performed on your account before you can be considered eligible to use a debit card for payment in Budget.

Locations that do not use credit checks usually require additional documents in place of it. These documents include your passport, utility bill, bank statement, and other verification modes.


Budget has thousands of outlets, and not all of them accept debit cards as a method of payment. Some state areas that do not accept debit cards include; Metropolitan NY Tri-State area, Hartford, CT, Philadelphia area, or New Orleans.

Please note that this list is not exhaustive and you can confirm if it is accepted in your exact location on Budget’s website.


When it comes to car rental at airport locations, Budget also permits the use of debit cards in certain locations, although there are a couple of other verification documents that would be required.

You will be required to submit your passport, your round trip ticket with details, your insurance card, a type of utility bill, and your bank statement.

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When it comes to using your debit or credit card for car rental payment at Budget, you know pretty much everything after this article.

The only thing you need to do going forward is to confirm which of these policies apply to your exact location, and you’re good to go.

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