Great Credit Card Perks that really Speak to You

It's a nice problem to have - Americans are cursed with choice in all kinds of ways. When it comes to credit cards for instance, there are literally thousands of choices that anyone would need to sort through to find a product for their needs. And it isn't just the consumer who has a hard time either; imagine what it must be like for the credit card issuers who have to think of ways to have their products stand out among competitors whose products seem more or less the same. When there are this many bankers working overtime trying to dream up a card that is unusual, cool or otherwise worthy of the consumer’s time though, there are bound to be a few really good choices that come up from time to time. And that means there usually are products here and there that find a way to offer you more than just your regular points or miles rewards. You get credit card perks sometimes that you would never believe.

When you go make a purchase at Best Buy, do you worry about what happens if a month later, your shiny new laptop or digital camera should just die? If you don't relish the thought of running around for warranty replacement and worrying about being given a refurbished replacement unit in the end, how about paying for your purchase with an Amex card or a ThankYou Premier card from Citibank? They completely take care of it or reimburse you for up to $1000. If you want a great way to keep the checkout people off your case asking you to buy their extended warranty, paying with a Visa Signature card or a Gold MasterCard should do it for you. You'll just need to tell them that you don't have to bother because you're getting an extended warranty pain with these credit cards anyway.

Let's say that you do complete your purchase at Best Buy and you're pretty happy with it (it doesn't break or anything), but a month later, you see that the same store is advertising the same product at $100 less. Do you ever feel like a sucker at that point? Well, you don't need to. Now if you have Citibank's Premium card. With this card, whatever you buy this price guaranteed for two months. If the product falls in price by up to $250 within two months, Citi will give you back the difference. There are several MasterCard options but these credit card perks as well.

What is the number one product that travelers have stolen from them in America? It's laptops (in case you didn't guess). While most laptops are stolen from people when they pass through an airport, MasterCard will protect you if your stuff is stolen from your hotel room. If you pay for your hotel room with the MasterCard credit card, they will reimburse you enough to buy new anything that you lose in your hotel room.

Open any travel related magazine today and you never get to hear the end of how people hate those add-on fees on the airlines. And the most notorious among those add-on fees has to be the checked baggage fees every airline demands. Credit card perks to do with checked baggage fees are always appreciated. With a Visa Signature card from US Bank, you get $25 towards checked baggage fees when you redeem the points to get for an airline ticket. American Express gives you $200 every year for baggage fees as well.