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Contributor
firesoul453
Posts: 147
Registered: ‎08-24-2012

Whats the best credit card for benefits

[ Edited ]

So I recently discovered how nice credit card benefits can be and I'm wondering what card offers the best benefits, besides something like AMEX centurion or palladium.

 

I have a Capital One Journey card and well its not very good and for some reaon they wont raise my limit past $750

I also have a discover card, which seems like the best to me, there are lots of benefits I didn't even know existed!

 

So what card do you recommend?

 

Benefits like : extended warrenty, early access to tickets, cash back (cash over), Purchase Protection, etc. Basicaly anything thats not rewards

 

My ultimate credit wish,
a JP Morgan Palladium card
Valued Contributor
jsucool76
Posts: 2,770
Registered: ‎12-11-2011

Re: Whats the best credit card for benefits

What sort of benefits are you talking about? 

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 2000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Contributor
firesoul453
Posts: 147
Registered: ‎08-24-2012

Re: Whats the best credit card for benefits

Sorry

 

Benefits like : extended warrenty, early access to tickets, cash back (cash over), Purchase Protection, etc. Basicaly anything thats not rewards (like a reward would be cash back)

My ultimate credit wish,
a JP Morgan Palladium card
Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012

Re: Whats the best credit card for benefits

Sounds like your goal card would be Blue Cash from Amex.

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Regular Contributor
DeadSpider
Posts: 244
Registered: ‎07-29-2012

Re: What's the best credit card for benefits

I think as of last month Discover does double warranty.

Cap1 QS $11500, Freedom $5000K, Slate $8000 Amex Sky $2000K, Discover IT $4400, BCE $8800, NFL $1500, Lowes $7000

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Goal Score: 800


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Frequent Contributor
OptimasPrime
Posts: 348
Registered: ‎08-17-2012

Re: Whats the best credit card for benefits

Discover It/more is the only card I know of that gives you cash over at the purchase apr at certain retailers (mostly supermarkets) . Pretty sure they also give cashback for any cash over that you take.

EQ 778 | TU 776
Barclay US Airways WMC 7.5k | BCE 5.8k | BofA Travel Rewards 9.1k | Chase Marriott Premier 13k | Citi TYP WMC 6.5k | Freedom Visa Sig 8k| Discover it 10k
New Contributor
CardinalRules
Posts: 69
Registered: ‎06-27-2012

Re: Whats the best credit card for benefits

[ Edited ]

OptimasPrime wrote:

Discover It/more is the only card I know of that gives you cash over at the purchase apr at certain retailers (mostly supermarkets) . Pretty sure they also give cashback for any cash over that you take.


 

They no longer do this as far as I know, otherwise people could just max out the cash they get at the register whenever they shop and then net some huge money from Discover over time. 

AMEX SPG - $8k
Citi AA Visa - $6.5k
Walmart Discover - $5.5k
Citi Forward - $3.9k
Discover More - $2.5k
Wells Fargo Cash Back - $1.9k
Valued Contributor
jsucool76
Posts: 2,770
Registered: ‎12-11-2011

Re: Whats the best credit card for benefits

The walmart card will let you get cash back at the store with a purchase and not charge it as a cash advance up to $60 I think (afaik)

 

Mastercard platinum cards will double your manufacturer's warranty up to 12 months, I think most cards do this. They also get the rental insurance up to a $50,000 MSRP rental car, stuff like that, I believe they'll also front the money for bail and a lawyer if you get arrested overseas, however, you do have to pay them back. They also do roadside assistance but you have to pay for it, they just contact the company for you. I believe amex cards will do roadside assistance and pay the first $50, then the rest is on you though. 

 

Visa plat is pretty similar, where you get into real benefits is with Visa sig and World Elite MC, but I don't have either so I can't help you there. You can check them on mastercard.com and visa.com or just google 'Visa/Mastercard (card type: plat, sig/World,World Elite) benefits)

 

Also when you get approved for a new card it will also list the "Cardmember Benefits" as provided by the backer (visa, MC, discover, Amex) 

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 2000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Senior Contributor
Open123
Posts: 4,037
Registered: ‎02-23-2011

Re: Whats the best credit card for benefits

Amex cash cards would be your best bet.  With warranty, purchase, and disputes, I don't there's any issuer who takes the cardmember's side more so than Amex.  Every merchant agreement stipulates that Amex can reverse any charge for whatever reason without the rights of the merchant to appeal.  This is great for Amex cardmembers during disputes.

 

 


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