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Unique Non-Cash Reward Benefits of Credit Cards Archived From: Finance

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Added

CitiDividend Platinum Select Visa for College Students

Extended Warranty                                                Doubles warranty up to 1 year
Retail Purchase Protection                                       Replaces for 90 days for damage or theft


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ThePessimist said:If you look around there are many reports of truly awful FIA customer service and strange AA. Not surprising, given that BofA owns FIA. FIA and BofA share the annoyance of only being able to download transactions into Quicken or Money after a statement closes.
Yuck. I just got my card today and registered at Schwab's credit card site but I can't even seem to get Quicken to find information about the account. There are like 3 different FIA possibilities and none of them worked. I noticed that there was no way to email credit card customer service, which sucks.
I don't know if it's true, but this thread suggests the Schwab card may be changing its forex benefit anyway.Well, it's still listed on the front page of the card carrier I got today, right after no annual fees.


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American Express Blue Cash

Return Protection
# No More Shopping Regrets - Return Protection1 offers guaranteed product satisfaction on designated items purchased entirely with an eligible American Express® Card.

# 90 Days of Protection - If you try to return an eligible item purchased in the U.S. within 90 days from the date of purchase and the merchant won't take it back, American Express will refund the purchase price.

# Up to $300 Coverage - You are covered for up to $300 per item, excluding shipping and handling, up to $1,000 annually per Card account

Purchase Protection
* Embedded Protection - Just use your Card and Purchase Protection protects eligible purchases against accidental damage or theft for up to 90 days from the date of purchase.

Extended Warranty

#
Automatic Protection - Charge your covered purchases that have a valid U.S. manufacturer's warranty to the Card.

#
Extend Your Warranty - The Extended Warranty will extend the terms of the original U.S. manufacturer's warranty for up to one additional year on eligible purchases with warranties of 5 years or less, when the purchase is charged to the Card.

#
Don't Think Twice - Coverage is available for eligible items for up to $10,000 (not to exceed $50,000 per Cardmember account per policy year).

* Worldwide Coverage - Coverage includes eligible purchases made worldwide with the Card, including gifts purchased for others.

* Shop Worry Free - Purchase Protection repairs, replaces or reimburses you for the amount charged to the Card (not to exceed the original purchase price). Coverage is limited to up to $1,000 per Occurrence, up to $50,000 per Cardmember account per policy year, and is in EXCESS of other sources of indemnity.


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Thanks, I had forgot about the price protection on the Schwab Invest First Visa, and have since received a check for $18.32!...


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Adding: Ameriprise World Elite MC

I am sure there are many of the same normal MC benefits. However, a HUGE benefit from this CC is the Priority Pass Membership they give. There is a $150 AF tied to this CC (waived if you spend more than $15K / yr on CC. Well worth it though if you travel, as it gives you access to sooo many priority club memberships at various airports throughout the world. If you went through Priority Pass yourself and bought membership, it would cost $399!

SuperG03


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Blue Cash also has rental protection as secondary, which is great for traveling outside US when your primary insurance doesn't cover you


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SuperG03 said:Adding: Ameriprise World Elite MC

I am sure there are many of the same normal MC benefits. However, a HUGE benefit from this CC is the Priority Pass Membership they give. There is a $150 AF tied to this CC (waived if you spend more than $15K / yr on CC. Well worth it though if you travel, as it gives you access to sooo many priority club memberships at various airports throughout the world. If you went through Priority Pass yourself and bought membership, it would cost $399!

SuperG03
BofA accolades offers this too


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SUCKISSTAPLES said:SuperG03 said:Adding: Ameriprise World Elite MC

I am sure there are many of the same normal MC benefits. However, a HUGE benefit from this CC is the Priority Pass Membership they give. There is a $150 AF tied to this CC (waived if you spend more than $15K / yr on CC. Well worth it though if you travel, as it gives you access to sooo many priority club memberships at various airports throughout the world. If you went through Priority Pass yourself and bought membership, it would cost $399!

SuperG03
BofA accolades offers this too

And Citi AMEX Plat.


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sethdallob said:SUCKISSTAPLES said:SuperG03 said:Adding: Ameriprise World Elite MC

I am sure there are many of the same normal MC benefits. However, a HUGE benefit from this CC is the Priority Pass Membership they give. There is a $150 AF tied to this CC (waived if you spend more than $15K / yr on CC. Well worth it though if you travel, as it gives you access to sooo many priority club memberships at various airports throughout the world. If you went through Priority Pass yourself and bought membership, it would cost $399!

SuperG03
BofA accolades offers this too


And Citi AMEX Plat.

The AMEX Plat only provides three free visits per year, addition visits are charged at $27. The Ameriprise world elite MC has unlimited visits, I believe.


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How frequently can you submit claims for the price protection coverage? Is there some limit? (I'm particularly interested in regards to the Schwab card but if people have info on other cards, it'd be great if they would share that.)


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SegaRob said:How frequently can you submit claims for the price protection coverage? Is there some limit? (I'm particularly interested in regards to the Schwab card but if people have info on other cards, it'd be great if they would share that.)See here


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OF the cards offering priority pass
which card has lowest annual fee?
which do u think is easiest to get?

(if u have 2 AMEX u can have no more or something stupid like that)
what about schwab is FIA-bofa clamping down on card holders too, I already have 3 bofa cards. Can u convert a bofa card to schwab cc acc?


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OF the cards offering priority pass which card has lowest annual fee? which do u think is easiest to get?

The Saks WorldElite MC is a no-fee card and includes the base priority pass. The base membership offers no free visits & each visit $27.


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frank10b said:OF the cards offering priority pass
which card has lowest annual fee?
which do u think is easiest to get?

(if u have 2 AMEX u can have no more or something stupid like that)
what about schwab is FIA-bofa clamping down on card holders too, I already have 3 bofa cards. Can u convert a bofa card to schwab cc acc?

Question is, how much do you spend a yr on the CC? The Ameriprise one has a $150 AF (not bad, considering), which is waived if you spend more than $15K / yr on it.

SuperG03


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SuperG03 said:frank10b said:OF the cards offering priority pass
which card has lowest annual fee?
which do u think is easiest to get?

(if u have 2 AMEX u can have no more or something stupid like that)
what about schwab is FIA-bofa clamping down on card holders too, I already have 3 bofa cards. Can u convert a bofa card to schwab cc acc?


Question is, how much do you spend a yr on the CC? The Ameriprise one has a $150 AF (not bad, considering), which is waived if you spend more than $15K / yr on it.

SuperG03

Interesting, thanks but i have lots of overseas spending and Ameriprise's 3% make it uneconomical, anyways no where near 15K i dont think

Thank u


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ellory said:SegaRob said:How frequently can you submit claims for the price protection coverage? Is there some limit? (I'm particularly interested in regards to the Schwab card but if people have info on other cards, it'd be great if they would share that.)See hereSo you can do 250 claims of $10 each year? I imagine that they would get pissed off pretty quick.


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I have gotten one claim paid already for $18.32, and am about to fill out another one for ~$20. It appears you are in compliance of the terms if you fill out 250 x $10 claims... Note however, payment is made net of taxes, storage, shipping, handling and postage charges. What this means, if you buy an item for $400 w/ free shipping & no sales tax, but another place sells it for $350 + $20 shipping + sales tax, you can get the price protection on the $400 - $350 = $50.


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SUCKISSTAPLES said: Citi Professional is one of the best here because it gives 3% rewrds and primary insurance.

Looks like the 3% is only for 12 months.


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