Your Selected Credit Cards

Credit Card Benefits Selection Summary
Extended warranties, low price guarantees, travel cancellation insurance and lost baggage reimbursement are some of many perks you may not realize you already have. Credit cards often provide these and many other relatively unknown perks.
 
Unfortunately, we do not have any stored credit cards under your profile and therefore we cannot provide a list of eligible benefits based on a customized selection list.
 
The Topic "Free Hidden Benefits of Credit Cards" will explore these perks and moreover, you will get to choose specific cards that will be stored in your profile. Once you choose these cards, return to this page (in My Reference Library) and we will summarize what perks these cards provide in an easy to read table format.
 
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Topic: Free Hidden Benefits of Credit Cards

Purchase Protection Benefits

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Notable Cards - Purchase Protection Benefits (expand)

Extended Warranties:
  1. Citi:   Typically provides 2 years of additional coverage (better than the usual double with a one year limit), so if your purchased item has a three month manufacturer's warranty, you will get 27 months of total coverage.  Citi typically allows for longer manufacturer's warranty periods up to 5 years (thus allowing coverage by Citi for up to 7 years)
  2. American Express:   allows for longer manufacturer's warranty periods up to 5 years (thus allowing coverage by American Express for up to 6 years)
  3. Most other cards are relatively similar

Purchase Protection:

  1. Most cards are relatively similar

Return Protection:

  1. Most cards are relatively similar

Price Protection:

  1. Citi:  Provides a great alternative where you can register your product and they will proactively look for cheaper products up to the 60 day time period.  See the following link:  https://www.citipricerewind.com/
  2. Most other cards are relatively similar

 

 

Travel Protection Benefits

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Notable Cards - Travel Protection Benefits (expand)

Rental Car Insurance

In general, Citi, USAA and Chase appear to have the strongest coverage.

Primary Coverage:   Choosing a card with primary coverage can allow you to avoid filing a claim with your auto insurance company, thus avoiding future increases in your auto insurance premium.  Cards that appear to have primary coverage include (please check with our benefit guide for the most current information):

  1. Chase Sapphire Preferred
  2. Chase Sapphire Reserve
  3. United MileagePlus Explorer and MileagePlus Club
  4. Fairmont Visa Signature
  5. Discover Escape
  6. J.P. Morgan Palladium card
  7. Ritz Carlton Visa Signature
  8. Many rewards business cards (Most require that your rental is for business use for the coverage to apply)

Trip Delay/Cancel Insurance

In general, this benefit is only offered on a few select cards.  If you have this, you are very fortunate and it can save you a considerable amount of money in the event you have to cancel your travel plans or if you are delayed.

  1. Chase: Select Chase cards have generally strong protections and will reimburse for prepaid, nonrefundable travel expenses, including passenger fares, tours and hotels.  Additionally, covered persons, defined as Immediate Family members under Chase card benefit guides, is broader than most and will include in-laws (brother, sister, mother and father) and grandparents
  2. American Express:  Surprisingly, American Express doesn't appear to offer this on most, if not all, of their cards.  We are unsure whether it is offered with American Express Gold and Platinum cards since we have found conflicting information.  We suggest referring to your benefits guide for your specific card to better understand if this is offered.  If you do learn of American Express cards that provide this benefit, we would appreciate it if you could note it in a comment section or e-mail to Biggerbux.
  3. Most other cards that do offer this benefit may be limited to just non-cancellable common carrier (airline, train, etc) tickets

Lost/Delayed Baggage Reimbursement

  1. Chase:  Select Chase cards appears to have favorable policies.  For example, covered persons, defined as Immediate Family members under Chase card benefit guides, is broader than most and will include in-laws (brother, sister, mother and father) and grandparents
  2. American Express:  Surprisingly, American Express doesn't appear to offer this on most, if not all, of their cards.  We are unsure whether it is offered with American Express Gold and Platinum cards since we have found conflicting information.  We suggest referring to your benefits guide for your specific card to better understand if this is offered.  If you do learn of American Express cards that provide this benefit, we would appreciate it if you could note it in a comment section or e-mail to Biggerbux.

Travel Accident Insurance

  1. Chase:  Chase appears to offer strong benefits in this category.  We suggest reviewing your applicable benefits guide for more information.  Note that the Chase Sapphire Reserve, appears to have the best protection $1,000,000 per person, up to $2,000,000 in total, and will also cover (1)  traveling to or from the airport, terminal, or train station on a courtesy shuttle or authorized for hire method and (2) waiting at the airport, terminal, or train station. Chase Sapphire Reserve card holders appear to even receive $100,000 of coverage for incidents that occur between the schedule departure and scheduled arrival printed on the ticket.
  2. Other credit cards with strong travel accident insurance included:  American Express Platinum, USAA credit cards and Chase Ink and Sapphire cards

TSA Precheck/Global Entry Reimbursement

Reimbursable TSA Pre-Check/Global Entry Application Fees:  The following credit cards and loyalty programs may cover the TSA Pre✓® application fee as a member benefit, provide a statement credit towards the application fee, or allow members to use rewards points to pay for the TSA Pre✓® application fee.
  1. Chase Sapphire ReserveSM
  2. Citi® / AAdvantage® Executive World EliteTM MasterCard®
  3. Citi Prestige® Card
  4. Club Carlson
  5. Diners Club® Carte Blanche® Corporate Card
  6. Expedia®+ Voyager Card from Citi
  7. Hilton HHonors
  8. United MileagePlus®
  9. Orbitz Rewards®
  10. Certain American Express® Credit Cards
  11. MasterCard® Black Card™
  12. MasterCard® Gold Card™
  13. SunTrust Travel Rewards World Elite Mastercard® Credit Card
  14. US Bank FlexPerks® Gold American Express® Card

Note: Just because you don't have one of these personal cards, many of our users noted that this benefit may be extended to the corporate credit card. For example, we have heard that American Express Gold and Platinum corporate credit cards offer this benefit.