Most people have a love-hate relationship with their credit cards. It’s very easy to see why so many people develop shopping addictions–especially if they’re on a tight budget–because they provide a very easy and convenient payment method without the painstaking psychological commitments that paying with cash requires. Swiping a card is much easier than having to dig through your coin pouch to count out the exact change and it also gives the consumer less time to change their mind about the purchase. The bottom line of it all is that if you can’t pay off at least your minimum balance when the bill comes due (even though you should always pay it off in full), you honestly cannot afford to be using credit cards no matter how convenient they might be for you.
Those that spend with cash tend to spend less, especially when you factor in the interest that gets tacked on top of your credit card purchases, but credit cards come along with some interesting perks that we just can’t help but get excited about. Again, nothing will make up for any amount of rewards you can get if you can’t make regular payments on your credit card in the first place, but if you’re a responsible swiper you can get some of the best credit card perks there are available. Some of the best credit card perks are heavily advertised, but there are still some of the other best credit card perks that are less well-known. Keep reading and find out more about the best credit card perks you might be overlooking!
- Presale tickets are a welcome reward most eligible card members that love a good concert are happy to take advantage of. Those eligible card members get the opportunity to purchase tickets before general sales open up, allowing them to get the most desirable seats before they’re gone. Presale periods usually last about a week at most, so signing up for email updates through your credit card provider is probably a good deal so you’ll be notified beforehand. Check your provider for more details and if they do have presale offers, be warned that they usually only apply to major cities.
- Special preferred seating is usually tied into those presale ticket offers and your provider goes the extra mile to make sure you get the best seats in the house before anyone else. The credit card providers usually purchase some of the best seats ahead of time to hold them for customers and sometimes they even manage to make tickets to sold-out shows available. You can also manage to score preferred seating at some of the most popular venues around the world! If you’re heading to a locale abroad and there’s a show you’re dying to see there, just check with your card provider to avoid the hassle of trying to get legitimate tickets on the ground.
- Discount deals on all kinds of popular attractions can be found through your credit card provider. You’ll save big on admission or you might even score free tickets for the whole family depending on where your travels take you. Discover cardholders can save 5% on tickets to Six Flags when they pay with their card online and those savings add up if you’re taking along a big group. Bank of America has a “Museums for Us” program that allows you to get into museums, zoos and aquariums across the country for no charge: all you need is valid ID and your Bank of America or Merrill Lynch credit or debit card. If you’re heading to New York for a visit and you’re an eligible cardholder, you can score free admission to the Metropolitan Museum of Art, the Bronx Zoo and the New York Aquarium.
Deep discounts at retail stores is one of the best credit card perks that most people want to hear about. Visa, MasterCard and American Express all negotiate with big retailers to garner exclusive discounts for their clients, but it’s easy to overlook these benefits. Some card providers will even give bonus rewards points for shopping directly through their online marketplaces. MasterCard Marketplace offers all kinds of discounts to eligible cardholders for retail purchases from Ann Taylor, Target and Orbitz. KitchenAid appliances come at a discounted rate for CITI card users and you can even get free shipping when you pay for purchases with certain cards through online retail partner portals.
Extended warranties are another one of the best credit card perks that people look for. Buying expensive items can bring up feelings of anxiety when you think about them breaking right as a warranty expires. If your card has this service, you don’t have to worry about buying those in-store extended warranties so long as you pay with your card. Many qualifying card providers will simply extend the original warranty free of charge.