My favorite is the potent trifecta of Purchase Protection/Return Protection/Extended Warranty. Really they are all facets of the same benefit: never having to worry about a purchase being lost, stolen, disappointing when you get it home, or poorly made.
Even the few debit cards that still provide something of this sort after the change in debit interchange fees, do not provide it to the level that a credit/charge card does.
And of those credit cards that provide it, AmEx definitely provides it the most extensively. I'd pay the $25 annual fee on my Zync just for this benefit even if the card never earned points or had any of the bonus packs. Total peace of mind about my major purchases is worth $25 per annum to me.
Starting: EQ 626 (myFICO 7/22/12), EX 696 (TU FAKO 8/14/12), TU 621 (CK TransRisk 7/24/12) Current: EQ 665 (myFICO 2/13/12), EX 690 (CreditSesame FAKO 1/6/13) , TU 681 (WalMart 2/4/13) Goal: 700+ x3
My Wallet: Amex Zync NPSL (hidden limit > 10k), Barclaycard Apple V $2000, Walmart (Store) $900, BoA Cash Rewards V $500, CreditOne Platinum V $600, Best Buy Rewards MC $500, Chase Freedom V $400
Dream Wallet: Amex BCP, Citi Dividend Platinum V , Chase Freedom MC, Chase Sapphire Preferred V, BoA Privileges Cash Rewards VS, UPromise MC, US Bank Cash+ VS, Amex ZYNC, Amex SPG, Amex Platinum, Andrews FCU Global V
Starting Score: 450 (Late 2009)
