Credit Card Perks You Probably Don’t Know You Have

While frequent-flyer miles and cash-back programs are widely publicized benefits of some credit cards, there are dozens of lesser known benefits you may not even realize you have. Read your card’s fine print to see if you can take advantage of any of the following.

Extended Product Warranties

It might be a good idea to put that new lawn mower on your credit card, even if you’re able to pay cash. Visa, MasterCard, American Express and Discover all offer up to one year’s worth of extended warranty protection to come cardholders.

Replacement Cell Phones

Do you pay your cell phone bill with your credit card? If so, you may be eligible for a free or reduced cost replacement if your phone is irreparably damaged or stolen. Typically, you’ll pay a small deductible and your card company will foot the remainder of the bill.

Travel Insurance

If your card offers this handy perk, you could be reimbursed for lost, damaged or stolen luggage while travelling. Some cards even provide assistance with emergency medical expenses incurred during a trip.

Free Admission to Cultural Activities

Do you use a Bank of America card? If so, you can gain free admission to nearly 150 museums, cultural centers and zoos across the United States just by showing your card.

Identity Theft Protection

From apps that let you freeze your account upon losing your card, to free assistance cleaning up your credit report after an ID theft, credit card companies are stepping up services that help cardholders protect their identities.

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