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What are your favorite CC perks?

Super Contributor

Re: What are your favorite CC perks?

Everyone knows the best CC perk is showing it off....

 

If you have a good looking card who doesn't love to flash the plastic (or metal for some of you) when paying for a meal or something. Smiley Tongue 

Message 11 of 18
Regular Contributor

Re: What are your favorite CC perks?

Free FICO's

Message 12 of 18
Frequent Contributor

Re: What are your favorite CC perks?

Thanks, UBUP! Smiley Very Happy
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 13 of 18
Blogger

Re: What are your favorite CC perks?

Really digging the Hyatt VISA after my recent stay at one of the hotels.

The card gave me 2 free nights and the Hyatt Gold Passport Platinum membership.

 

I was surprised at the amount of options given to me as upgrades, free upgrades, and other complimentary additions once I had arrived as well.

Just being able to have the opportunity to ask for a check in at 11 AM was worth it enough for me (although not sure if that is exclusively for Passport members).

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Message 14 of 18
Regular Contributor

Re: What are your favorite CC perks?

I like AMEX's rental protection.  For an additional $25 they cover the rental as a primary loss so you don't have to go through your insurance company first.

Message 15 of 18
Valued Contributor

Re: What are your favorite CC perks?

My favorite perk is not having to worry about fraudulent charges.

TU FICO: 800 (2/1/14) | CK Score: 802 (2/1/14) | CS Score: 805 (2/1/14)

J.P. Morgan Palladium ($250k) | AmEx Platinum (NPSL) | AmEx SPG Personal/Business ($50k/$50k) | Citi Executive AAdvantage WEMC ($50k) | Citi Dividend WEMC ($50k) | Chase Sapphire Preferred VS ($50k) | Chase Ink Bold WEMC ($50k Flex) | Chase Ink Plus WEMC ($25k) | Chase Freedom VS ($25k) | Chase Freedom WMC ($25k) | Chase MileagePlus Explorer ($25k) | Chase Southwest RR Plus Business/Personal ($15k/$15k) | Barclays US Airways ($25k) | Barclays Hawaiian Airlines ($25k) | BofA Alaska Airlines ($10k) | Lexus Financial Services ($30k) | Mercedes-Benz Financial Services ($50k)
Message 16 of 18
Established Contributor

Re: What are your favorite CC perks?

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 622 (myFICO 7/7/12), EX 696 (TU FAKO 8/14/12), TU 621 (CK TransRisk 7/24/12), Total CL $1k on 2 TLs
Current: EQ 709 (CCT 2/4/15), EX 704 (CCT 2/4/15) , TU 702 (CCT 2/4/15), Total CL $110.3k on 14 TLs Goal: 740+ x3
My Wallet: Amex BCP $30k, Chase United Explorer $16k, Amex SPG $13.5k, Barclaycard Ring MC $12.5k, Chase CSP VS $12.2k, Discover it $10.5k, C1 Venture VS $6.5k, Chase Slate $3.5k, Amex Hilton Surpass $2k, Barclaycard Apple V $2k, Chase Freedom V $1100, BoA Cash Rewards V $500, Citi BestBuy $500
My Loans: Prosper $25k/36mo, Prosper $17k/36mo
My Business: Chase Ink VS $5k, Amex BRG NPSL (> 10k),
Message 17 of 18
Established Contributor

Re: What are your favorite CC perks?


lanc wrote:

I like AMEX's rental protection.  For an additional $25 they cover the rental as a primary loss so you don't have to go through your insurance company first.


Do you have to pay this per car rental or?

$1200 $1250 $4250 NPSL $5300 $1350 $3000

$6050 $5000 $10500 $2416 $6500 $3000
Message 18 of 18