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What are your favorite CC perks?

Frequent Contributor

What are your favorite CC perks?

I ask the question because I'm renting a car to get to a baby shower next month, and I found out that if I pay for my rental with my Discover card I get 25% off the cost as well as a free upgrade!  Now I'm REALLY glad I didn't wait the extra month to app for the More Smiley Wink

 

So tell me, what sort of cool perks have you gotten from your credit cards? Maybe we can learn a few things.

 

 

TU: 771 (7/17/17) | EQ: 787 (7/17/17) | EX: 792 (7/17/17)

Cap1 Quicksilver, $4,750 (4/2012); Discover IT, $34,000 (10/2012); Chase Amazon Rewards, $14,600 (10/2012); AMEX Hilton HHonors, $15,000 (11/2012); AMEX Blue Cash Everyday, $15,000 (01/2013); Barclaycard Arrival+, $10,000 (07/2013)
Message 1 of 18
17 REPLIES
Valued Contributor

Re: What are your favorite CC perks?

Finally having good enough credit to get decent reward cards Smiley Wink. My current faves: all the Amex delta rewards - 30k bonus miles, free checked luggage and $25 lounge access, 10/10 chase freedom bonus rewards and my chase amazon rewards. Also I like linking cards to delta skymiles dining for even more bonus miles (my favorite bar is on the list so each pint gets me closer to free trip)


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 2 of 18
Valued Contributor

Re: What are your favorite CC perks?


Duncanrr wrote:
Finally having good enough credit to get decent reward cards Smiley Wink. My current faves: all the Amex delta rewards - 30k bonus miles, free checked luggage and $25 lounge access, 10/10 chase freedom bonus rewards and my chase amazon rewards. Also I like linking cards to delta skymiles dining for even more bonus miles (my favorite bar is on the list so each pint gets me closer to free trip)

lets just not go drapping again duncanrr. 

 

as for me right now just the cash back. 

i know its not huge but its something. 

 

also all amex's (i believe) have free rental car insurance. and buyer protection where as long as the item was charged in full on a card and the retailer/vendor wont return it. amex takes it. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 3 of 18
Valued Contributor

Re: What are your favorite CC perks?

RENTAL Protection. If I rent a card with my credit card...most of them offer rental protection so I can decline the companys expensive mess. I have insurance options b/c I can go through my personal insurance or use the credit card's insurance. I love that perk. I used to rent frequently.

As of 2017, rebuilding...
Message 4 of 18
Valued Contributor

Re: What are your favorite CC perks?

@creditnocash. Don't tempt me Smiley Wink only thing that will get me out of the garden right now is NFCU.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 5 of 18
Mega Contributor

Re: What are your favorite CC perks?


isoldmyatlas wrote:

I ask the question because I'm renting a car to get to a baby shower next month, and I found out that if I pay for my rental with my Discover card I get 25% off the cost as well as a free upgrade!  Now I'm REALLY glad I didn't wait the extra month to app for the More Smiley Wink

 

So tell me, what sort of cool perks have you gotten from your credit cards? Maybe we can learn a few things.

 

 


I love being able to pull cash if i need it off my Walmart card and no cash advance fee!

 




EQ FICO 548 3/3/16
Message 6 of 18
Established Contributor

Re: What are your favorite CC perks?

well when i get a cc,  Cash Back.  

 

Tangible, touchable, Cash over confusing points and point conversions Any day of the week, baby!

 

 

Plus anything else is just a bouns Smiley Happy

Message 7 of 18
Valued Contributor

Re: What are your favorite CC perks?

1. Marriott/Ritz Carlton gold status after 10k annual spend. Normally gold takes 50 nights a year, and given my current travel patterns I'll never achieve that.

 

2. Airport lounge access

EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Message 8 of 18
Valued Contributor

Re: What are your favorite CC perks?

Amex Platinum benefits I use: Airport Lounge, Airline incidental fees up to $200 a year, Rental car protection, Shipboard credit for cruise, No Foreign transaction fees. Love this card despite the annual fee.


Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 9 of 18
Valued Contributor

Re: What are your favorite CC perks?

I'm sorry, I don't have a comment on this.

 

I just think your screen name is way cool!

 

So, there.

 

 

Message 10 of 18