yourNot limited to just the purchases you make. With so many credit card companies (and money), perks, benefits and rewards keep getting better.
Sure, rental insurance coverage and extended warranties are all guaranteed when you get a new credit card, but not every card offers the same rewards. Before you sign up for a new credit card, or you just want to see what your current card offers, check out the best hidden credit card perks you’ve been missing out on.
1. Advanced Cash-Back Rewards
Maybe you’ve seen cash-back rewards of up to 3% on standard items like food or gas. These standard cash-back cards offer cash (or statement credit) for larger purchase categories. But some warehouse cards may offer more rewards when you shop at their stores. for example, City. by Costco Anywhere Visa Will give you 4% back on gas, up to $7,000 for the first year. But there are some cards that go up and out.
American Express Blue Cash Preferred® Card*, for example, offers 6% cash back at US supermarkets (up to $6,000 per year in purchases, then 1%), plus 6% cash back on select US streaming subscriptions (terms apply). Cash back rewards are received in the form of dollars which can be redeemed as statement credits. Chase Freedom Card There is a revolving 5% cash back. This changes quarterly, allowing you to maximize your 5% rewards when you spend in different locations. with Capital One Saver Cash Rewards CardYou can earn 8% cash back when you buy tickets to sporting events, concerts and theater events.
2. TSA PreCheck or Global Entry
The airport TSA line is never in place. Fortunately, there are some credit cards that(which includes PreCheck), which means you can join these programs for free. PreCheck gives you very fast security at home and lets you remove your shoes, jacket and laptop at the security check area. Global Entry covers them all and accelerates you through customs on international trips.
Capital One Venture Rewards Credit CardFor example, Global Entry or TSA PreCheck will give you a $100 credit for the application fee. so does Chase Sapphire Reserve. Keep in mind that both of these cards charge an annual fee (nothing is really free, right?).
3. Hotel Gifts
A free hotel breakfast sounds delicious, but it’s not always part of the package when you book your room. Some cards offer rewards in the form of perks during your next hotel stay.
Together Platinum Card® from American Express*, you get free gifts just for being a cardholder. For example, daily breakfast for two, possible room upgrades (think from a standard room to a suite), checkout until 4 p.m. and free Wi-Fi, if needed, at Fine Hotels through American Express Travel + For accommodation at the resort (if necessary conditions apply).
The Platinum Card has a $695 annual fee (View Rates & Fees), which is fine if you travel often. This can be a hefty price to pay if you only leave the city twice a year.
4. Extended Warranty
Instead of spending for an extended warranty at the store, use your credit card at no extra charge. For example, most Citi Credit Card Offers a two-year extended warranty, and coverage begins when the manufacturer’s warranty expires.
Not all credit cards offer extended warranties, and each card may have a different definition of what one is and what is covered. Check to see what limits or exclusions are on the card before applying for the card.
Some credit cards also offer purchase protection, such as the Chase Sapphire Reserve Card, which covers purchases of up to $10,000 for 120 days if the product is lost, stolen, or damaged. Like an extended warranty, read the fine print closely to make sure it meets your expectations, in which case you’ll need to capitalize on benefits.
5. Flying Allowances
Whether it’s a seat upgrade or a free checked bag, you can take advantage of your credit card when you take to the skies.
with him Delta SkyMiles® Reserve American Express Card*, you can get a domestic flight companion certificate for a friend to renew the card every year (taxes and fees over $75 still do not apply). You’ll also get your first checked bag free for each person on your reservation (up to nine people). There’s also access to the airline’s airport lounge Delta Sky Club, which can give you access to food and drink for free or at a discount. Rewards cards like these often come with a “mileage boost” for your airline status. And, as expected, there is almost always an annual fee.
Keep an eye out for generous introductory bonuses to make that annual fee even more worthwhile.
6. Free Gifts
If you have a family visit, need to take the kids out, or just want to learn more about what’s in your city, you don’t always have to pay for it.
bank of america card, for example, will give you free access to museums on the first full weekend of the month. Some cards will give you an introductory offer as a sign-up bonus — everything from statement credits to extra points.
Most credit card companies provide free access to your credit score. That means you can keep tabs on how you’re doing without paying for it. Good while checking your credit report and you can get yourself a copy for free annual creditreport.comIt’s a good idea to check your credit score as often as possible. That means once a week or a monthly fast for something.
Free roam and change depending on the card. What is available today may not be around tomorrow. Shop around and compare free gifts to see which one can give you the best return.
*All information about the Blue Cash Preferred Card from American Express, the Platinum Card from American Express and the Delta SkyMiles Reserve American Express Card has been independently collected by Nerdshala and has not been reviewed by the issuer.
For Platinum Card rates and fees from American Express, click Here
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Disclaimer: The information contained in this article, program features, program fees, and credits available to apply to such programs via credit card, is subject to change from time to time and is presented without warranty. When evaluating offers, please visit the credit card provider’s website and review its terms and conditions for the latest offers and information.