I have never heard Clark mention the Wells Fargo OneKey card, which has no annual fee. According to it’s benefits guide “In the United States, the coverage provided by this benefit is PRIMARY (except for New York Residents).” As far as I am aware, this is the only fee-free card that gives you this primary coverage benefit. Being that it is primary collision damage waiver (CDW), it means I don’t have to involve my own auto insurance for the damage to the vehicle in the event of an accident.