Credit cards come with a lot of well-known benefits like cash back and travel miles. But there are also plenty of hidden credit card perks you probably didn’t know about. In fact, some of these perks may even come with the card you already use! If you don’t want to leave money on the table, get to know these seven credit card benefits you probably haven’t heard of.
1) Extended Warranty
Any electronic item you buy will come with a limited warranty from the manufacturer, but did you know you can double that warranty if you use the right credit card? Most credit cards, including all Citi and American Express cards, offer extended warranty coverage, which can add a year or two to the manufacturer’s warranty.
You’ll have to consult your credit card agreement to see what purchases you can get an extended warranty on and how to take advantage of this policy. If your credit card has this perk, don’t bother paying extra for warranty extension at checkout: you’re already covered!
2) Price Protection
Don’t you hate it when you buy something, only to find out a week later that it’s now on sale and you could have gotten it for a fraction of the price if you had just waited? Or when you find an even cheaper price in another store and realize you should have done your research before taking advantage of that sale?
It’s a pain many shoppers know only too well. The good news is that you can get price protection for this exact situation with some Mastercard and Visa Signature® credit cards, such as the Capital One® Savor® Rewards Card and all Citi credit cards with Price Rewind. If the issuers of these cards detect a price drop or find a lower price on your recent purchase at a different retailer, they’ll reimburse you for the difference.
These price rewinds usually have limits, such as 30 to 90 days from the date of purchase or a maximum refund of $500. As long as your credit card offers price protection, though, you can buy with confidence knowing you’ll always get the best price in the end!
3) Purchase Protection
There’s nothing more frustrating than buying something expensive only to accidentally break it or have it stolen. Fortunately, if you buy a lot of your most expensive items with a credit card, you may already be covered for damage and theft.
Some credit cards, like the Blue Cash Everyday® Card from American Express and the Chase Sapphire Preferred® Card, include purchase protection to cover losses on certain items purchased with that card. This can be a good backup if you don’t have other insurance policies that will cover damage or theft.
To be reimbursed for a damaged item, you’ll need to file a claim with your card issuer, and in some cases, you may have to include pictures of the damaged item and a repair bill as proof that it needs to be replaced. If the item was stolen, be aware that you’ll need to include a police report with your claim.
4) Return Guarantees
We all make mistakes. Sometimes we have to return items we never should have bought in the first place. Most stores have a return policy that covers you for 30 days after the date of purchase, but what if you try to return an item after that month is up?
Luckily, you may still be covered if you made the purchase with a credit card that offers return protection. All Mastercards and American Express cards offer some form of return guarantee for up to 90 days after your purchase, so they may take the item back and refund your money even if the store won’t.
Note that certain items aren’t covered by return protection. You’ll also probably have to cover shipping and handling costs yourself, but it’s still better than being stuck with that Christmas gift none of your friends or family wanted!
5) Travel Insurance
Planning a trip is stressful enough without having to worry about what could go wrong while you’re traveling. Whether it’s your luggage getting lost, your valuables being stolen, or one of your family members getting sick, having the right travel insurance can help you recover your losses and relieve much of the stress that would otherwise ruin your vacation. Fortunately, if you have a credit card with travel benefits, you may already have all the travel insurance you need!
Aside from coverage during your actual trip, some credit cards also offer trip cancellation insurance. Life gets in the way sometimes, and if you have to cancel your trip at the last minute, the credit card you used to book your trip may be able to cover some of your losses.
Some good travel credit cards to consider are Chase Sapphire cards for personal use and Chase Ink cards for business use. Every card has a different policy, so make sure to check what situations you’re covered for before you book your trip!
6) Exclusive Discounts, Upgrades, and Perks
Credit card perks like cash back and travel rewards are common, but some credit cards, like the Citi Private Pass® card or the Chase Sapphire On Location card, offer special perks exclusive to their cardholders. These can include presale and preferred seating tickets, free museum admission, access to VIP lounges, rental car insurance, and more.
Your credit card may also give you special discounts and upgrades you didn’t know you had access to. Credit card companies frequently partner with retailers, restaurants, hotels, and even airlines to offer exclusive benefits to their customers. Depending on the card you use, you may be able to get a special deal on a purchase or be bumped up a class on your next flight. You never know what perks you might be missing out on!
7) Concierge Services
Concierge services aren’t exclusive to hotels. Sometimes the only help you need to plan your next date night or vacation is right in your pocket!
Premium credit cards like World Elite Mastercard® and Visa Signature® include 24/7 concierge services among their other perks. If you have trouble getting reservations at restaurants or hotels, for example, you can call the service line provided by your credit card issuer and they can help you get a table or book your next trip. The most elite cards can even net you special types of reservations like exotic cars, cruises, and private jets!
Even if you don’t need fancy cars and rooms in five-star hotels, a concierge service can help you with simpler tasks such as shopping for certain items or finding the perfect gift for a loved one. Whatever you’re looking for, a credit card with a concierge service line can be like the personal assistant you never knew you needed!
In short, credit cards can offer way more benefits than just cash back and travel miles on all your purchases. Whether you need extra guarantees on everything you buy or the peace of mind of having the right coverage at the right time, these lesser-known credit card perks can help you get the most out of your hard-earned money!
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Net First Platinum
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FIT™ Platinum Mastercard®
- $400 Initial Credit Limit
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- Credit Recommended
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- Regular APR
- 35.90% Fixed
- Annual Fee
- See terms
- Return Payment Fee
- Up to $41.00
- Late Payment Fee
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First Progress Platinum Prestige Mastercard® Secured Credit Card
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- Credit Recommended
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- Regular APR
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- Annual Fee
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- Cash Advance APR
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Reflex® Platinum Mastercard®
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- Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
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- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
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- Regular APR
- 35.90% Fixed
- Credit Limit
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- Late Payment Fee
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Freedom Gold Card
- $750 Unsecured Credit Limit (Usable only at TheHorizonOutlet.com)
- Instant Approval*
- No Credit Check
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- Bad Credit - OK
- Credit Line
- $750 Limit (Usable only at TheHorizonOutlet.com)
- Monthly Fee
- See website for Details*
- Regular APR
- 0% APR
You are pre-approved for a $750 unsecured credit line (Usable only at TheHorizonOutlet.com) with the Freedom Gold Card! Sign up now, our application process is fast and easy.
*See site for details
Surge® Platinum Mastercard®
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- Perfect card for everyday purchases and unexpected expenses
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- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
- Regular APR
- 35.90% Fixed
- Late Payment Fee
- Up to $41.00
- Return Payment Fee
- Up to $41.00
- Intro Rate
- See website for Details*
Milestone® Mastercard®
- Greater access to credit than before - $700 credit limit
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- Account history is reported to the three major credit bureaus in the U.S.
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- *Fraud protection provided by Mastercard Zero Liability Protection. If approved, you'll receive the Mastercard Guide to Benefits that details the complete terms with your card.
- Credit Recommended
- Fair/Good
- Credit Limit
- $700
- Cash Advance Fee
- See terms
- Regular APR
- See terms
First Progress Platinum Select Mastercard® Secured Credit Card
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- All credit types welcome to apply!
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
- Credit Recommended
- Poor/Limited/No Credit
- Regular APR
- 18.74% (V)
- Annual Fee
- $39
- Credit Line
- $2,000
- Cash Advance APR
- 24.74% (V)
Bad Credit Cards
- Credit Recommended
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- Intro (Purchases)
- See website for Details*
- Intro (Transfers)
- See website for Details*
- Regular APR
- See website for Details*
- Annual Fee
- See website for Details*
Upgrade Cash Rewards Visa®
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
- Earn 1.5% unlimited cash back on card purchases every time you make a payment
- Combine the flexibility of a credit card with the predictability of a personal loan
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- Great for large purchases with predictable payments you can budget for
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- Credit Line
- $500 - $25,000
- Regular APR
- 14.99% - 29.99% APR
- Regular Transfer APR
- 14.99% - 29.99% APR
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*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.
Destiny Mastercard®
- All the benefits of a Mastercard, without a security deposit
- 24/7 access to your account, even on mobile!
- Reports to all three major credit bureaus
- Less than perfect credit is okay, even with a prior bankruptcy!
- Credit Recommended
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- Credit Limit
- $700
- Regular APR
- See terms
- Annual Fee
- See terms
Merrick Bank Secured Credit Card
- Choose your own credit line based on how much money you want to put down as a security deposit.
- Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
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- Credit Recommended
- See website for Details*
- Regular APR
- 22.70% Variable
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- 27.70% Variable
Applied Bank® Secured Visa® Gold Preferred® Credit Card
- Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
- Absolutely No Credit Check or Minimum Credit Score Required
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- 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
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- Credit Recommended
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- Annual Fee
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OpenSky® Plus Secured Visa® Credit Card
- New feature! Earn up to 10% cash back* on everyday purchases
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- Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
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- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
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- Secure your credit line with a refundable security deposit - as low as $300.
- Easy application, apply in less than 5 minutes right from your mobile device
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- Credit Recommended
- No credit, Poor, Fair
- Regular APR
- 29.49% (variable)
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- $0
- Credit Line
- $300-$3000 at time of application
Excellent Credit Cards
- Take advantage of your excellent credit to get the best rates and rewards
- Enjoy low rates and rewards for everyday spending
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- Earn cash back, points or miles to redeem for travel, gift cards or cash rewards
- Bonus offers – up to 50,000 points or miles
- Terms vary by partner. Please see individual application for product terms and conditions.
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- Credit Recommended
- Good/Excellent
- Intro (Purchases)
- See website for Details*
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- See website for Details*
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- See website for Details*
- Annual Fee
- See website for Details*
Reflex® Platinum Mastercard®
- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
- Regular APR
- 35.90% Fixed
- Credit Limit
- up to $1,000
- Annual Fee
- $75 - $125
- Late Payment Fee
- Up to $41.00
OpenSky® Secured Visa® Credit Card
- New feature! Earn up to 10% cash back* on everyday purchases
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- Credit Recommended
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- Regular APR
- 25.14% (variable)
- Annual Fee
- $35
- Credit Line
- $200-$3000 at time of application
Fair Credit Cards
- Time for a new Credit Card
- Improve your credit with responsible use
- Credit Cards for Fair Credit
- Credit Recommended
- Average/Fair/Good/Poor/Bad/Limited/
- Intro (Purchases)
- See website for Details*
- Intro (Transfers)
- See website for Details*
- Regular APR
- See website for Details*
- Annual Fee
- See website for Details*
Surge® Platinum Mastercard®
- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
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- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
- Regular APR
- 35.90% Fixed
- Late Payment Fee
- Up to $41.00
- Return Payment Fee
- Up to $41.00
- Intro Rate
- See website for Details*
FIT™ Platinum Mastercard®
- $400 Initial Credit Limit
- Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
- Credit Recommended
- Fair/Poor/Bad
- Regular APR
- 35.90% Fixed
- Annual Fee
- See terms
- Return Payment Fee
- Up to $41.00
- Late Payment Fee
- Up to $41.00
Good Credit Cards
- Take advantage of your good credit to get competitive APRs and rewards
- Enjoy low rates and rewards for everyday spending
- Earn cash back, points or miles to redeem for travel, gift cards or cash rewards
- Bonus offers – up to 50,000 points or miles
- Good credit can lead to excellent credit – some cards provide free credit score monitoring
- Terms vary by partner. Please see individual application for product terms and conditions.
- Clicking Apply Now will take you to CreditSoup.com to compare Credit Cards for Good Credit from participating partners
- Credit Recommended
- Fair/Good/Limited/No Credit/Excellent
- Intro (Purchases)
- See website for Details*
- Intro (Transfers)
- See website for Details*
- Regular APR
- See website for Details*
- Annual Fee
- See website for Details*
*See Card for Terms and Conditions
Applied Bank® Unsecured Classic Visa® Card
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- A $300 Unsecured Credit Line which can be used at Grocery Stores, Gas Stations, Discount Stores, ATM's and Online!
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- No Penalty Rate. Your Rate Won't Go Up Even If You are Late
- Access Additional Credit With On-Time Payments and Responsible Usage
- A True Unsecured EMV enabled (chip) Visa Credit card
- Does not require perfect credit for approval
- Fixed APR and Manageable Monthly Payments
- Credit Recommended
- Poor/Damaged Credit
- Regular APR
- 29.99%
- Late Payment Fee
- Up to $38
- Return Payment Fee
- Up to $38
- Card Brand
- Visa®
Poor Credit Cards
- A better way to get a Card Offer!
- For those with less that perfect credit.
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- Credit Recommended
- Fair/Poor/Bad/Damaged/Limited/No Credit
- Intro (Purchases)
- See website for Details*
- Intro (Transfers)
- See website for Details*
- Regular APR
- See website for Details*
- Annual Fee
- See website for Details*
Search, Compare and Apply! Creditsoup.com offers you a better way to get a card offer.
*See Card for Terms and Conditions
OpenSky Launch Secured Visa® Credit Card
- Excellent option for a low fully refundable security deposit, get started with just $100
- Earn up to 10% cash back on everyday purchases
- Minimum payment as low as $10
- Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter
- No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
- Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
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- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
- Easy application, apply in less than 5 minutes right from your mobile device
- Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
- Now you can make smaller partial payments towards funding your security deposit over 60 days
- Over 1.4 million cardholders have used OpenSky Secured Credit Card to improve their credit
- Credit Recommended
- No credit, Poor, Fair
- Regular APR
- 29.49% (variable)
- Annual Fee
- $24 during the first year, paid in installments of $2 per month. $36 after the first year, paid in installments of $3 per month.
- Credit Line
- $100- $1,000
