1. Concierge Service:  This is one of the best-kept secrets of credit  cards.  Available with Visa Signature and MasterCard World Elite cards, concierge service provides a wealth  of free features.  From restaurant recommendations and reservations to  travel arrangements to entertainment planning, concierge service is a  credit card perk on elite cards that should not go unused.

2. Extended Warranties:  Many credit cards will automatically double the manufacturer’s warranty  for up to one year when you buy the product with the credit card.  We  put this feature to good use when our HP printer broke 14 months after  we bought it.  Although the printer came with a one-year warranty, the  credit card we used to purchase the printer had the extended warranty  feature.  One thing to keep in mind is that this feature is offered  directly from Visa and MasterCard.  So if you need to take advantage of  the extended warranty, you’ll need to contact Visa or MasterCard  directly, not the issuing bank.


3. Roadside Assistance:  If you ever get stuck on the side of the road,  call the number on the back of your credit card. Chances are your card  will offer some level of roadside assistance.  If you carry an eligible  MasterCard, for example, you can get jump-starts, a tire change, towing,  and even gas delivery.  While these services aren’t free, the cost has  been pre-negotiated with MasterCard.  And if you care the American  Express Gold Card, roadside assistance is a free feature of the card, up  to $50.

4. Price Protection:  This is one of my favorite credit card perks.   Let’s say you purchase an item from an electronics store, only to find  it a few days later at a lower price somewhere else.  With price  protection offered by many credit cards, you can recoup the difference.   Eligible MasterCard credit cards, for example, offer this protection  for 60 days after you purchase.  Visa offers a similar feature on  eligible cards.

Here is the fine print:  Price Protection assists you in achieving the best possible price on  eligible items of personal property purchased entirely with your  eligible Visa card. If you buy an eligible item with your card in the  United States and see a printed advertisement of it for less at any  store within sixty (60) days of the original purchase date, simply file a  claim and we will refund the difference up to $250. Coverage is limited  to $1,000 a year per Cardholder’s eligible account.

5. Purchase Satisfaction:  There’s nothing worse than buying something  you decide you don’t need or want, but having the store you purchased it  from refuse to accept a return.  If that happens, check to see if you  credit card will accept the return.  Believe it or not, major credit  cards offer satisfaction guarantees of products you’ve purchased using a  credit card.  MasterCard, for example, extends this coverage for 60  days from the date of purchase for products up to $250.

So the next time you need some help with a purchase, booking travel, or  changing a tire, see if your credit card can help.