topic Re: Anyone using/experienced using signature perks? in Credit Cards

Anyone using/experienced using signature perks?

BM3 — Mon, 01 Oct 2018 20:41:33 GMT

Just curious as to how they are doing in 2018 - if people find any issues (for example car insurance, which I reject when travelling saying i have the protection on the card - really curious when push comes to shove if I will be covered). Just in general if you use your siggy perks, please post.

Re: Anyone using/experienced using signature perks?

wasCB14 — Mon, 01 Oct 2018 21:16:30 GMT

What Visa Sig card are you using for car rentals? Are you renting in the USA or internationally? I assume your card was issued in the USA.

I am concerned you may be confusing strong domestic-and-international rental benefits Chase offers on a few Visa Signature/Infinite cards with weaker only-effective-when-international benefits Visa provides. Other banks may provide the stronger form of benefits domestically but it's not common and certainly not by default for Visa.

I've gotten a few little discounts, nothing much or that I couldn't have gotten through some other method. I tried the concierge a while ago and found it disappointing because the concierge told me they only accepted a narrow range of tasks (dinner reservations, tickets, easily located gifts).

Re: Anyone using/experienced using signature perks?

BM3 — Mon, 01 Oct 2018 23:15:02 GMT

I have BOA visa and sun country visa.

And yes rentals were international.

So we can get advance tickets? Or is this only Amex?

Anyone else?

Re: Anyone using/experienced using signature perks?

Shadowfactor — Tue, 02 Oct 2018 03:21:04 GMT

It would vary depending on which BoA card you have.

I don’t know anything about the other one.

I think certain concierges can get general concert or event tickets. I’ve never used a visa signature one, only the visa infinite.
But pre-sale tickets are limited to card issuers that have those programs. Amex, Citi, capital one all have those sort of programs.

I get primary rental car coverage through USB so I’ve always declined the excess waiver. I’ve never had to use it but I imagine that as long as the rental falls inside the guidelines they would have to pay out on it. It’s always underwritten by some other insurance company and not visa itself. It depends on the issuing bank.

Re: Anyone using/experienced using signature perks?

UpperNwGuy — Tue, 02 Oct 2018 11:48:53 GMT

Don't focus on the "signature" perks described on Visa's website. Focus on the specific benefits listed on your bank's website for the exact credit card you will be using.

Re: Anyone using/experienced using signature perks?

Anonymous — Tue, 02 Oct 2018 14:00:19 GMT

@UpperNwGuy wrote:
Don't focus on the "signature" perks described on Visa's website. Focus on the specific benefits listed on your bank's website for the exact credit card you will be using.

This! The Signature perks on the Visa site are "possible" perks, and the particular issuer may or may not offer them all (and of course may offer additional benefits). I think in the past things were more uniform, much like the "minimum $5K CL" rule, but now the designation says almost nothing. For example, you used to be able to rely on the flexible credit limit if the card was VS, no longer.

Re: Anyone using/experienced using signature perks?

BM3 — Tue, 02 Oct 2018 18:15:32 GMT

Ive ran my Visa 6k card above that to maybe 7? What's the hard limit or how does this work?

Yes I get the specific cards benefits, actually discovered disco deals because of the ironic thread. I guess it's like all things in US - promise big but in reality no one is special.

Re: Anyone using/experienced using signature perks?

wasCB14 — Tue, 02 Oct 2018 18:26:44 GMT

@BM3 wrote:
Ive ran my Visa 6k card above that to maybe 7? What's the hard limit or how does this work?

Yes I get the specific cards benefits, actually discovered disco deals because of the ironic thread. I guess it's like all things in US - promise big but in reality no one is special.

There are cards with great perks. They just usually (if not always) involve some combination of:

-A big annual fee

-A large assets-under-management requirement

-A required history of very high spend

Re: Anyone using/experienced using signature perks?

BM3 — Wed, 03 Oct 2018 07:18:24 GMT

What are top cards for this? CSR? What else?

Re: Anyone using/experienced using signature perks?

wasCB14 — Wed, 03 Oct 2018 17:47:00 GMT

@BM3 wrote:
What are top cards for this? CSR? What else?

CSR is good for travel insurance-type benefits. It's not so much about perks. JPMR is a little better but requires having $10 million at Chase, so "top" in that card family isn't accessible for most people.

Amex Platinum (and Centurion for people spending millions a year) has more in the way of comfort and light luxury travel-related perks.