Sure, rental insurance and extended warranties are all but guaranteed when you get a new credit card, but not every card offers the same reward. Before you sign up for a new credit card, or you just want to see what your current card has to offer, check out the best-hidden credit card privileges you might miss.
1. Advanced refund rewards
You may have seen a refund of up to 3% on standard items, like food or gas. These standard cashback cards provide cash (or statement credit) for large purchases. But some warehouse cards may offer higher rewards when you shop at their stores. For example, Citi’s Visa Costco Anywhere Visa will return you 4% of the gas bill, up to $ 7,000 for the first year. But there are some cards going on and off.
For example, the American Express Blue Cash Preferred card offers 6% cashback at supermarkets. Plus 6% cash for streaming services. Chase Freedom card has a 5% refund. It changes every quarter, allowing you to maximize your 5% reward when you spend in different places. With the Capital One Savor Cash Rewards card, you can earn 8% cashback when you buy tickets to attend sporting events, concerts and stage events.
2. TSA PreCheck or Global entry
An airport’s TSA road is never a place to go. Fortunately, there are a few credit cards that will pay your registration fee to TSA PreCheck or Global Entry (including PreCheck), which means you get to join these programs for free. PreCheck helps you through security much faster in the country and allows you to give up removing shoes, coats and laptops in the security check area. Global Entry covers all of that and helps you through customs on international trips.
For example, the Capital One Joint Venture Credit Card will provide you with a $ 100 credit for a Global registration fee or TSA PreCheck. So is Chase Sapphire Reserve. Remember that both cards charge an annual fee (nothing really is free, right?).
3. Good hotel
The free breakfast at the hotel sounds delicious but is not always part of the package when you book. Some cards offer rewards as perks during your next hotel stay.
With American Express Platinum Card, you get a free gift just for being a cardholder. For example, a daily breakfast for two, an upgrade of the room (think from a standard room to a room), should be made by 4pm. and free Wi-Fi, if needed.
Platinum cards have an annual fee of $ 550, which is fine if you travel frequently. It can be a very expensive price if you only leave town a few times a year.
4. Warranty extended
Instead of being ostentatious for extended store warranties, use your credit card for no extra charge.
Most Citi credit cards offer a two-year extended warranty and coverage begins at the end of the manufacturer’s warranty. Everyday Blue Cash card from American Express will extend the original warranty up to five years. They will match the original manufacturer’s warranty if under two years and then another two years.
Not all credit cards offer extended warranties and each card may have a different definition of what one and what is covered. Check for restrictions or exclusions on the card before registering.
Some credit cards also offer purchase protection, such as the Chase Sapphire Reserve card, which includes purchases of up to $ 10,000 in 120 days in case the product is lost, stolen or damaged. Like extended warranties, read the printout carefully to make sure it meets your expectations in case you will need to pay for benefits.
5. Flight privileges
Whether it’s a seat upgrade or a free checked bag, you can take advantage of your credit card as you go to the sky.
With American Express’s Delta Reserve card, you can get a free domestic flight to a friend every year when you renew your card. You will also receive a free checked bag first for everyone upon reservation (up to nine people). There is also access to Delta Sky Club, the airport lounge, which can then give you access to free or discounted meals and drinks. Reward cards like these usually come with “increasing mileage” for your airline status. And, as expected, there is almost always an annual fee.
Keep an eye out for the generous signup bonuses
If you have family visits, need to take your kids outside, or just want to learn more about what’s in your city, you don’t always have to pay for it.
For example, the Bank of America card will give you free access to the museum on the first full weekend of the month. Some cards will give you an introductory offer – everything from statement credits to extra points – as a signup bonus.
Most credit card companies offer free access to your credit score. That means you can track the ways you are doing without having to pay for it. While checking your credit report is fine and you can get yourself a free copy at the annual website, you should see your credit score as often as possible. That means as fast as once a week or for some people, monthly.
Free can rotate and change depending on the card. What is available today may not be available tomorrow. Shop around and compare the free stuff to see what can help you make the best profit.