Recently, I’ve had discussions with a couple of people and realized after talking to them that they are totally NOT taking advantage of their credit card benefits. One friend lives in Salt Lake City and flies Delta a lot. Delta has an amazing Delta SkyClub Lounge. She has the AMEX Platinum Card and has not been using that lounge when she flies out of SLC. Airport lounges are my favorite! Free food, beverages, and a beautiful setting need to be used!
Another person who has the American Express Gold Card is not using their dining credits or UBER credits (can be used for Uber Eats)! They are paying $250 in annual fees and not getting back $240 of their fee!
Obviously, we need to talk about taking advantage of your credit card benefits. Most credit cards have benefits that offset the annual fee. Indeed, some of the benefits, like the hotel credit cards, are so good, I keep paying the annual fee year after year.
Let’s go over some of the best credit card benefits!
The Chase Sapphire Preferred Credit Card is one of our favorite beginning credit cards. With its new highest-ever signup bonus you need it in your wallet! Here are some of the benefits you may not have known that it has that make it worth the $95 annual fee:
Alex had the airline damage her stroller once and having this card got her a check in the mail for the cost of her stroller, which she had purchased 5 years prior. I’ve had bags lost by an airline for 3 days and was able to buy new items. Knowing your benefits is totally worth it. To be covered you’ll want to use this card to pay for your flight, even just paying the taxes (since you used points) on this card will provide you with coverage.
The American Express Gold Credit Card comes with an annual fee of $250. That seems hefty to most people until you realize your benefits will more than pay for it!
Although this comes with a huge annual fee of $695, I think it is totally worth it. I will totally keep this card in my wallet because it is the absolute BEST airport lounge credit card. Here are some of its other benefits:
Are you taking advantage of this card’s benefits? Especially the airport lounge access? The card’s benefits pay for themselves even without those amazing lounges!
This is another of my favorite credit cards. Every year that I renew the $450 annual fee, I get a 50K annual free night certificate. In the past, I have used it to stay at the Ritz Carlton Kapalua, the Ritz Carlton Sarasota, and the Ritz Carlton Istanbul. These hotels can book for over $800 a night so I love this benefit of the American Express Marriott Bonvoy Brilliant card. Additional benefits include:
The Capital One Venture Credit Card is another great beginner card that just got better with the addition of transfer partners. Because it earns 2 points per $1 spent it is a great card for every day spend for someone who doesn’t want to keep track of which card to use in every situation. Other benefits include:
Most of these come with a free annual night certificate. They also come with hotel status. Know what your hotel status can get you. It may be a free bottle of water but it could be late checkout, free breakfasts, or an upgraded room. Be sure and check what your card gives you.
The different airline credit cards like United, Delta, American, Hawaiian, etc. usually come with free checked bags and priority boarding. The United Explorer card also come with a couple of United Club lounges. These are nice for long layovers or a quick bite/drink before a flight.
Know about what other benefits each of your credit cards can give you besides the ability to earn you a great signup bonus or everyday spending points. Some of the extra benefits make the annual fee worth paying year after year. Don’t miss out on insurance benefits, airport lounge access, or TSA Precheck credits just because you haven’t made yourself familiar with your benefits. One of the best parts of using credit cards is all the other perks they offer! Are you taking advantage of your credit card benefits?
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