Yes, National Car Rental does accept debit cards, but with significant restrictions that can complicate the rental process. Unlike a straightforward credit card transaction, using a debit card triggers a series of additional checks and holds on your funds. The primary policy requires a debit card to be accompanied by a return ticket for airline travel and is typically restricted to the Standard Elite Car Class or below. The most critical factor is the mandatory credit check and a substantial hold placed on the funds in your linked checking account.
The key requirement is a debit card check. Before approving the rental, the agent will perform a soft credit inquiry using the information on your driver's license. This is to assess financial responsibility. Additionally, National will place a hold on your account far exceeding the estimated rental cost. This hold covers the rental charges plus a significant security deposit.
The following table outlines the typical financial holds you can expect, which vary by vehicle class:
| Vehicle Class | Estimated Security Hold (on top of rental cost) |
|---|
| Economy/Compact | $200 - $300 |
| Intermediate/Standard | $300 - $400 |
| Full-size/Premium | $400 - $500 |
| SUV/Minivan | $500 - $600 |
| Luxury Vehicle | Usually not permitted with a debit card |
Beyond the financial hold, you must provide two forms of identification beyond your driver's license, such as a utility bill or pay stub, to prove your address. You also need to meet the minimum age requirement, which is often 25 at most locations but can be higher for certain vehicle classes. It's crucial to call the specific location ahead of time, as policies can vary between airport and neighborhood branches, with airport locations generally being more accommodating.
