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Unlocking Hidden Credit Card Perks: Discover 7 Surprising Benefits You Maybe Didn't Know About

Tandem Staff
Credit Cards

Credit cards are more than just tools for transactions; they come with a host of hidden perks that can add significant value to your everyday life. While many cardholders are familiar with rewards programs and cashback offers, there are several lesser-known benefits that often go unnoticed.

Let's explore some surprising credit card perks that you may not have known about, along some of the credit cards that offer these benefits.

Extended Warranty Protection

Some credit cards offer extended warranty protection on eligible purchases made with the card. This perk extends the manufacturer's warranty, providing additional coverage against mechanical breakdowns or defects. Examples of cards that offer extended warranty protection include the Chase Sapphire Reserve® and the American Express® Platinum Card.

Price Protection

Certain credit cards provide price protection, allowing you to receive a refund if you find a lower price on an item you purchased with your card within a specified time frame. Cards like the Citi® Double Cash Card and the Discover it® Cash Back offer price protection as a cardholder benefit.

Cell Phone Insurance

Many credit cards offer cell phone insurance as a benefit, providing coverage for repairs or replacement costs if your cell phone is damaged or stolen. Examples of cards with cell phone insurance include the Wells Fargo Propel American Express® Card and the U.S. Bank Altitude® Go Visa Signature® Card.

Concierge Services

Premium credit cards often include concierge services, which can assist you with a variety of tasks such as making restaurant reservations, booking travel arrangements, or finding the perfect gift. Cards like the Platinum Card® from American Express and the Mastercard® Black Card offer concierge services to cardholders.

Airport Lounge Access

Certain credit cards provide complimentary access to airport lounges, offering a comfortable and relaxing space for travelers. Lounge access perks can include amenities such as free Wi-Fi, snacks, and beverages. Examples of cards with airport lounge access include the Chase Sapphire Reserve® and the Hilton Honors American Express Aspire Card.

Additionally, some credit cards offer perks related to food delivery services or ride-shares. For example, the American Express® Gold Card offers up to $120 in Uber Cash credits annually, which can be used for Uber Eats orders or Uber rides. Similarly, the Chase Sapphire Reserve® offers up to $60 in DoorDash credits in 2023 and 2024, plus a complimentary DashPass subscription, providing discounted delivery fees on DoorDash orders.

And for couples, Some credit cards allow couples to link their accounts and pool their rewards points or miles. This feature enables couples to work together to earn and redeem rewards for shared goals such as travel or experiences.

Credit cards offer a wide range of benefits beyond just rewards and cashback. From extended warranty protection and price protection to cell phone insurance, concierge services, airport lounge access, and perks related to food delivery services or ride-shares, these hidden benefits can enhance your cardholder experience and provide valuable protections and conveniences in various aspects of your life.


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