Credit Card Perks You’re Probably Not Using

  1. Price Protection: Some credit cards offer price protection, which means they will refund the price difference if you find a lower price on an eligible item within a specified timeframe. The article suggests keeping an eye on price drops and filing a claim with your credit card issuer to receive a refund.
  2. Extended Warranties: Many credit cards provide extended warranty coverage beyond the manufacturer’s warranty for eligible purchases. The article recommends checking if your credit card offers this perk and keeping the purchase receipts and warranty information for potential claims.
  3. Airport Lounge Access: Certain credit cards offer complimentary airport lounge access, providing a comfortable and exclusive space to relax before flights. The article suggests knowing which cards offer this perk and taking advantage of it during travel.
  4. Travel Insurance: Some credit cards offer travel insurance coverage, including trip cancellation/interruption insurance, lost baggage coverage, and travel accident insurance. The article advises understanding the travel insurance benefits provided by your credit card and using them when applicable.
  5. Car Rental Insurance: Many credit cards provide car rental insurance coverage, which can save you from purchasing expensive coverage from the rental company. The article recommends reviewing the car rental insurance benefits of your credit card and using it when renting a car.
  6. Concierge Services: Certain credit cards offer concierge services that can assist with various tasks such as travel arrangements, event bookings, and restaurant recommendations. The article suggests exploring the concierge services available through your credit card for personalized assistance.
  7. Purchase Protection: Some credit cards offer purchase protection, which can reimburse you for eligible items that are stolen, damaged, or lost within a specific timeframe. The article advises familiarizing yourself with the purchase protection benefits of your credit card and keeping the necessary documentation in case a claim needs to be filed.

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Best Credit Cards (U.S.)

Depending on your habits, goals, membership programs, personal preferences, etc. These are the commonly known cards that offer really great perks and benefits.

  1. Chase Sapphire Preferred® Card: Versatile rewards program. Redeem through Chase Ultimate Rewards®, which offers valuable travel benefits and can transfer points to partner loyalty programs. 2 points/$ on travel and dining, and 1 point/$ on all other purchases.
  2. Capital One Venture Rewards Credit Card: Straightforward rewards structure. Redeem through Capital One’s travel portal, which offers a variety of airlines and hotels. 2 miles/$ on all purchases.
  3. Citi® Double Cash Card: Highly regarded for its simple cashback structure, providing 2% cash back on all purchases (1% when you buy, 1% when you pay).
  4. Discover it® Cash Back: Noted for its rotating cashback categories and no annual fee, along with a unique first-year cashback match for new cardmembers. 5% cash back on rotating categories each quarter, up to the quarterly maximum. 1% cash back on all other purchases.
  5. American Express® Platinum Card: Recognized for its premium travel benefits, airport lounge access, and luxury perks like hotel elite status and concierge services.
  6. American Express® Gold Card: Offers generous rewards on dining and groceries, along with travel benefits and statement credits for select purchases.
  7. Citi® / AAdvantage® Platinum Select® World Elite Mastercard®: Ideal for frequent American Airlines flyers, providing airline-specific perks like free checked bags and priority boarding.
  8. Apple Card: You know, it’s Apple and Goldman Sachs. It’s simple and convenient and has no fees. 3% cashback on Apple products, 2% cashback on purchases made using Apple Pay, and 1% cashback on purchases made with the physical Apple Card.
  9. The Bilt Mastercard®: Pay rent and earn points with no fees. Sign up with my link and start to earn points on rent!