There is no question about credit cards offering tons of benefits to their customers. You can build your credit history, get discounts, cashback, and rewards on credit card transactions. Even some cards attract you with exceptional benefits like free credit or fraud checks, access to an airline lounge, or travel insurance. But what about the lesser-known perks that can help you save money and hassle only if you know how to access them using credit repair services in NYC?
So, let’s begin with the most surprising credit card benefits you should take advantage of!
1. Access to American Express Centurion Clubs
Premium reward credit cards offer airport lounge access, but most lounges are special. Your typical airline lounge may provide a drink, a light snack, free Wifi, and comfortable seating, but guess what?
With an American Express Platinum card, you can access American Express Centurion Clubs, which are much nicer than airport lounges. There, you can experience luxury like never before.
The premium facility offers mouthwatering cuisine by award-winning chefs, expertly crafted cocktails, and even complimentary spa treatments and massages for pampering. It’s the ultimate escape before taking flight.
The card holders can also access less luxurious Delta SkyClub and Priority Pass Select lounges. They can earn 5x points for airfare and hotel purchases and a $200 annual airline fee credit.
2. A Free Night’s Hotel Stay
Book three hotel nights in a row using Citi’s travel service and enjoy the fourth night free! The card works both ways, whether you’re booking an inexpensive motel or a luxury resort.
Citi/AAdvantage Executive World Elite MasterCard: This card offers complimentary Admirals Club membership, priority check-in, airport screening, and boarding when flying American Airlines*
And that’s not all. You can even get extra miles on air travel, hotels, dining, and entertainment purchases. You can further avail of many other high-end benefits, including airport business lounge access.
3. Trip Cancellation Insurance Coverage
Sometimes travel plans don’t work the way we decided. You can always count on credit card travel insurance when your flight gets delayed or canceled due to unusual circumstances, and you have a non-refundable ticket.
But all travel reward cards aren’t the same. Many offer only basic trip insurance in which your flight is canceled, or you must stay somewhere because you lost your luggage.
But the following cards offer extensive coverage on Trips as follows:
- Chase Sapphire Preferred Card: This card offers trip cancellation insurance up to $10,000 per person. Further, it covers $20,000 per trip; the best part is the card covers non-refundable travel costs, including hotels and flight tickets.
- American Express Platinum Card: The card offers trip cancellation insurance up to $10,000 per trip. It covers non-refundable travel expenses up to $20,000 per card every 12 months.
4. Purchase Protection
There’s nothing more relaxing than ordering an item from the comfort of your home, but what if your items arrive damaged or you lose the package for some reason?
Thankfully, purchase protection covers these unexpected incidents. Credit cards offer purchase protection for stolen or damaged items up to $1,000 per item if the refund is requested within 90 days of purchase.
All you have to do is share reasonable evidence with them, including photographs of the damaged item or a police theft report. Normal wear and tear and items you accidentally lost are not eligible on some policies.
Many credit cards, including American Express, include this coverage, although it varies by the card issuer.
5. Foreign currency conversion
The credit card offers one of the best exchange rates for overseas items. For that, you need to know about the right card.
Usually, banks or exchange agents charge you a small fee for foreign currency exchange. But when you pay for an item against a credit card, you will likely get the best exchange rates.
You can trust Capital One Ventureone Rewards Credit Card to get reasonable rates without charging an annual fee.
6. Event Tickets
None of us have ever thought of landing on a red carpet just by swiping a card!
Now you can get tickets for one of your favorite events, including the Emmy Awards, the Sundance Film Festival, and scheduled events at Madison Square Garden, including NHL games.
You can enjoy exclusive events by gaining rewards points on the Chase Sapphire Preferred Card and the Chase Sapphire Reserve Card
7. Free credit scores
Almost all major credit card issuers — Chase, Citibank, American Express, Discover, and Capital One, now offer their users to check their credit scores for free. All you have to do is to log in to your credit card issuer’s website and find a link to your free credit score.
Of course, once you know what your credit score is, you’ll undoubtedly have some follow-up questions. Is my credit score good? And how can I improve it? If you are New York based, you can always check credit repair service providers in NYC. They can help you improve your score by analyzing your credit reports and disputing your credit scores.
