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I would also suggest the Amex Platinum card, I have had one for many years and the benefits as outlined by others in this post are well worth the £450 a year. Regarding car hire, last year I had a claim of over £500 for damage to a Hertz car [in my opinion hugely overstated] and submitted it under my Amex Platinum policy as I always use this to avoid the additional insurances, it was paid out in full and without any argument.
One tip when booking a rental car [certainly with Hertz, maybe others] is to take their regular insurance and refuse the additional ones which are also covered by Amex. For some reason if you just refuse all the insurance the rental charge quoted is a lot higher!

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