Jason contributes to many of the top personal finance and travel sites and has been widely quoted in mainstream media as a credit card expert. When used responsibly, credit cards can be valuable tools for earning rewards, traveling, handling emergencies or unplanned expenses, and building credit. Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Other unique credit card benefits. You aren’t able to get guests in for free, but most reports I’ve read indicate that authorized users are also eligible. You can only use this benefit up to two times per calendar year. If you’re a student, here’s some extra credit you likely haven’t heard about in college: cash back on your credit card statement for your good grades. If you prefer saving points on hotel stays rather than cash, the IHG Rewards Club Premier Credit Card from Chase has the perk for you: Get the fourth night free on award stays of four consecutive nights. Unique Platinum Shopping card features full credit card offers, credit reporting, 1000 credit, guaranteed approval and unique benefits set That means you’ll get a new account number. The card details have not been reviewed or approved by the card issuer. Check out our guide to the best Bank of America cards. The Delta SkyMiles Platinum card offers you a free companion airline ticket (plus taxes), each year when you renew your credit card. But there’s one card on the market now offering a cash back program worth mentioning. For rates and fees of the Amex Platinum card, please click here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Apply Now. The information for the Wells Fargo Visa has been collected independently by The Points Guy. I have extensive experience with credit cards but had never heard of many of these tips. Benefits at each winery vary, so do your research before planning a trip. Rewards can vary by issuer and card type. Whether you need quick delivery for last-minute holiday or … Your typical airline lounge may offer you a drink and a light snack, but not much else. In 2016, prices started at $450 for two seats and went up to $3,000 for packages that included receptions before and after the ceremony. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered. Fantastic article that suits all audiences. It might be exclusive access to first-class lounges when you travel or simply included mobile phone insurance to provide peace of mind. It's an expensive card, and it might not be the best solution for rebuilding your credit. Here are seven of the most valuable unique credit card benefits you can only get by holding the right card. Unique rewards: Elite credit cards typically come with rewards that far surpass the typical cash back reward seen on your standard consumer credit card. There are so many credit cards out there and many of the benefits they offer are the same, such as a credit for Global Entry/TSA PreCheck fees or access to Priority Pass lounges. Visa Signature and Visa Infinite cardholders get exclusive benefits at more than 50 Sonoma County wineries, including a complimentary wine tasting when you buy one of equal or greater value. But there also are some more valuable, exclusive benefits that only certain cards offer. Bank of America® Travel Rewards credit card, most recommended travel rewards credit cards with, Bank of America® Premium Rewards® credit card, 9 Best Value Hotel And Airline Loyalty Programs. Jason Steele The Citi Prestige® Card’s well-known fourth-night-free benefit has been downgraded several times since it was first introduced, but it can still offer significant value. There’s no cap on how much you can earn, and you’ll get that 8% back on the total ticket price (including tax and fees). Disclaimer – The information about the … The Citi Prestige® Credit Card offers several types of credits, including an annual $250 Air Travel Credit and a $100 Global Entry application fee credit every five years. Whether you’re a music lover, a fan of rideshare companies like Uber and Lyft, or someone who hates waiting in line at the airport, you may get more out of your next credit card than you thought possible. While many travel credit cards offer car rental insurance, others go above and beyond when it comes to travel insurance. Please view our advertising policy page for more information. Price protection is another money-saving perk. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. But if you have an American Express Platinum card, then you can enjoy complimentary access to the American Express Centurion Clubs, which are much nicer than the lounges offered by the airlines. Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Here are 10 awesome ones that you won’t find on just any card. No amount of credit card reform is going to help if you don't spend the time to make your credit cards benefit you. Airport business lounge access, and a massage, 3. This is on top of the regular cash back program for the card, which is in itself phenomenal. All you need to do is enter in the code UBERAMEX in the Uber app and pay for rides with your applicable credit card. The Points Guy will not sell your email. When choosing a credit card, few people take the time to consider all of the unique credit card benefits a particular card offers. However, all credit card information is presented without warranty. These benefits, not always advertised, are becoming quite popular with younger credit card users. Required Credit Any Credit Welcome. This benefit works whether you’re booking an inexpensive motel or a luxury resort. And when you’re considering a new credit card, check for these less publicized benefits when you are comparing cards. Reservations must be booked through the Citi travel portal, which means you can’t use discounts like AAA or member-only rates and you generally won’t earn points or receive elite benefits. Credit card issuers continue to find new ways to attract new cardholders, and that means thinking outside the box in terms of benefits and perks. But when you pay for your monthly bill with certain Wells Fargo credit cards, then you automatically receive up to $600 worth of coverage with a $25 deductible. This includes video streaming, digital music and even shopping subscription services. You’ll earn 4% when you eat out, year round, as well as on entertainment. More than 100 stores, including Saks Fifth Avenue, Kate Spade, Neiman Marcus, Bloomingdale’s and Kiehl’s, are part of ShopRunner. Petrol credit cards: These cards offer petrol-related benefits, such as cash rebates or extra reward points on fuel and spending at petrol kiosks. To determine if you qualify, check the front of your Visa-branded credit card—the credit card issuer doesn’t matter. Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. There’s a $95 annual fee for the Chase Sapphire Preferred® Card and a $550 annual fee for the Chase Sapphire Reserve Card. Some museums have temporarily closed, either voluntarily to slow the spread of COVID-19 or due to local government restrictions. You can trust the integrity of our balanced, independent financial advice. Featured photo courtesy of Timothy A. Clary/AFP/Getty Images. But if you happen to have the Delta SkyMiles Reserve card from American Express, then you’ll receive upgrade priority above others who have the same level of elite status. Please view our advertising policy page for more information. Purchase one standard tasting and receive one complimentary tasting of equal or lesser value. Jason lives in Denver Colorado where he enjoys bicycling, snowboarding and flying. Put simply, when the price of an item you purchased drops within a specified timeframe (generally within 60 to 90 days), these programs will give you a refund for the difference. The Benefits. That’s too bad, because certain credit cards can offer some other extremely valuable benefits beyond the headline rewards programs. The accounts from Unique Card Services and Horizon Card Services are quite similar in that they offer you 0% APR for financing. Opinions are the author's alone. All you need to do is show your Bank of America-issued card and photo ID. Credit cards typically come with benefits, which are extra features that may: provide protections on purchases, like extended warranties on electronics offer insurance or special access while traveling, like collision insurance on rental cars or airport lounge access Unique platinum card review and online application: the Unique Platinum Shopping credit card offers 1000 credit, 100% approval and additional benefits This site does not include all credit card companies or all available credit card offers. If you have a World Elite Mastercard, you’re eligible for special discounts and promotions with these popular services. You can also use a credit card to help pay for your hockey gear and your NHL subscription. This site does not include all credit card companies or all available credit card offers. What Credit Score Do You Need to Get Approved? You’ll receive a $1,000 credit line to spend on My Unique Outlet purchases. Nexo is a unique crypto credit card that … With seasonally inspired food designed by renowned local chefs, premium spirits, signature cocktails and curated wines — plus spa services, wine tasting, family areas, and shower suites in select clubs — the Centurion Lounge network can bring a big upgrade to your next trip. Huge cash back for live entertainment events, 5. You can find some unique credit card benefits beyond just cash back or travel miles—if you know where to look. When you use your card and the code ITPAYS, you’ll save 10 percent at Shop.NHL.com. Whether you need quick delivery for last-minute holiday or birthday gifts or just want to avoid extra shipping costs for your online purchases, you can get free two-day shipping and free return shipping with the complimentary ShopRunner membership if you have an eligible World Mastercard, World Elite Mastercard or American Express card. That’s right. Most people just want to know about a card’s rewards program and annual fee. ALL RIGHTS RESERVED. In addition, the card offers you Uber VIP status where it’s available. This card also offers access to the less luxurious, but more numerous Delta SkyClub and Priority Pass Select lounges. Other museums have adjusted their hours or admission policies, so you’ll want to locate and select a museum using their map, then click “Partner site” to review that museum’s policies and protocols. $1,000 credit line. If available, balance transfer requests are subject to approval. But, there are also no-annual-fee cards with unique features that might be more useful to the average consumer than perks on the high-fee cards designed mostly for frequent world travelers. Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. It will only extend your warranty a certain amount of time, it has monetary limits and not all items qualify. We may receive compensation when you click on links to those products. So, if you’re in the market for a new travel credit card, make sure to check the insurance benefits to get the most bang for your buck. Attending the Emmy Awards and other special events, We invite readers to respond with questions or comments. Airport business lounge access, and a massage. This post contains references to products from one or more of our advertisers. The Citi® /AAdvantage® Executive World Elite™ Mastercard® miles on air travel, hotels, dining, and entertainment purchases. These rewards can include private jet access, access to a lifestyle manager, special travel assistance, etc. Unique credit card benefits you won’t find elsewhere Free museum entry. Discover will automatically match all the cash back you've earned at the end of your first year! The perks that come with paying on plastic include: 1. With similar insurance plans going for between $8 and $15 a month when you purchase them through your wireless carrier, this feature alone could save you $100 a year or more. This membership entitles me to all benefits of the program (click here for program benefits). Unique Platinum. There are plenty of premium reward credit cards that offer airport... 2. If you accidentally exceed the amount of cash available on a debit card, your credit card can cover the extra costs. If you have a Visa Signature or Visa Infinite credit card, you could get special savings at more than 50 wineries in Sonoma County, California. Here are a few of the more pertinent benefits that you need to be aware of when it comes to using credit cards. 9 Benefits of using a credit card. The Uber Visa Card, issued by Barclays, offers a $50 subscription credit for streaming services—so long as you spend more than $5,000 on the card per year. Highlights. This content has not been provided by, reviewed, approved or endorsed by any advertiser, unless otherwise noted below. Unique Card Services charges $19.95 a month and a one-time $29.95 set up fee. A rewards credit card does exactly what its name implies: rewards the cardholder for making purchases. Cards with this service include the Wells Fargo Cash Wise Visa® card—a good choice for simple cash rewards that gives you 1.5 percent cash back on every purchase, with no annual fee. General Disclaimer: See the online credit card application for details about terms and conditions. Rate this credit card: Benefits Summary. This site does not include all credit card companies or all available credit card offers. Some benefits are only available to the primary accountholder and not authorized users. Please view our advertising policy page for more information. No Credit Checks. Common benefits include insurance for damage to a rental car, extended warranty coverage on large purchases, and even price protection policies. The discounts, offers, and deals that a credit card offers are unmatched by any other financial products and spell a bonanza for the wise user. You also get preferred pricing on non-wine purchases over $50, special wine and food pairings, and savings on same-day wine purchases and reserve tastings. Unique credit card benefits you won’t find elsewhere. To top it off, Amex is offering Uber users $30 off a first ride in the U.S. through July 31, 2018. Upon application, Unique Card Services will offer to reward you with the benefit of a platinum shopping line of credit. Many credit cards offer account holders free airfare, gift cards, or statement credit as perks for using their card, but some cards have more unique benefits. When you book three consecutive hotel nights through Citi’s travel service, your fourth night is free. Rebates. If your main account number is exposed in a data breach because you didn’t use a virtual credit card, you’d have to get your main credit card account number reissued. Benefits of virtual credit cards. Both the Discover it® Student Cash Back and Discover it® Student chrome offer you a $20 statement credit each school year your GPA is 3.0 or higher for up to the next five years. The best part about these discounts is that you don’t have to register for these offers or go through a special link — just use your World Elite Mastercard to pay and the promotion will be applied to your account automatically. Savings on wine purchased same day in the tasting room. 1. Most credit cards charge between 1% and 3% for minimum monthly payments. And many programs have made their free nights more flexible and extended expiration dates due to COVID-19. When your smartphone costs more than your computer, you live in constant fear of it being damaged or stolen. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page. The Visa Infinite credit card sets a new standard for personalized service while providing access to unique benefits and concierge privileges. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). We commit to never sharing or selling your personal information. It also features a ton of other high-end benefits including airport business lounge access and a $100 statement credit for Global Entry or Precheck every five years. You’ll also shave 10% off your NHL.TV™ subscription when you pay with your Discover card. Many credit cards — like the Chase Sapphire Reserve, Citi Prestige® Card and Marriott Bonvoy Boundless — offer access to airport lounges in the Priority Pass network, but only The Platinum Card® from American Express and Centurion cardmembers get complimentary access to the exclusive Centurion Lounges. There’s no guarantee that you’ll receive one of these gifts, but it’s a nice perk that can further offset the Platinum card’s hefty $550 annual fee (see rates and fees). We may, however, receive compensation from the issuers of some products mentioned in this article. The card details on this page have not been reviewed or provided by the card issuer. The main benefit of virtual credit cards is the ability to close the account. Setting up alerts, choosing another backup funding method and closely monitoring your account can also protect you in the event of a funding shortage. Other benefits include 5x points for airfare and hotel purchases, and a $200 annual airline fee credit. 4. Mobile phone insurance. There are a lot of cryptocurrency credit and debit card services you can choose from but these are some of the most popular ones: 1. Bank of America credit and debit cards offer access to more than 225 museums across the U.S. for free... Free two-day shipping. The benefits described pertain to Capital One branded consumer credit cards and may not be available with small business, co-brand and retail partner cards. The charge will appear as Unique Card … Hotel-branded credit cards often offer a free hotel night on a cardmember’s anniversary. BENEFIT SERVICES: I understand that I will receive privileges in Roadside Assistance Plan, and … While the benefits you receive can vary by winery, here’s what you can expect: For the buy-one-get-one-free benefit, there’s a limit of one per day. 5. Most people just want to know about a card’s rewards program and annual fee. A RED VENTURES COMPANY. Many of the most popular programs have been discontinued (including our favorite, Citi Price Rewind), but a handful of credit cards still offer this benefit. These benefits might not be enough to convince you to pick up a new card, but there’s a good chance that a card that’s already in your wallet has a benefit that you don’t know about. I will definitely be referencing this article in one of my future posts. A credit card has become an indispensable part of our lives, with its ease of use and convenient pay-back options. Your credit score is an important part of your financial profile, but for a long time, it was almost impossible to get free access to it. Planning a trip to wine country? That means that new applicants get a $1000 credit line that they can use to make purchases online at My Unique Outlet. Although it’s not a published benefit, American Express regularly sends free gifts to Platinum Card members, ranging from an Amazon Echo smart speaker to BLADE helicopter transfers to gift cards and exclusive discounts at luxury retailers and spas.
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