Little Known Credit Card Perks

Extend Your Warranty -Besides points and cash back, Gold and platinum MasterCards, Visa and American Express cards all extend the manufacturer's warranty by one year. Plus if you loose or break that new laptop or digital camera within 90 days of purchase, Citi's new Thank You Premier card will pay to repair or replace it or reimburse you up to $1,000.

The same is true for purchases made with your American Express card. Also, most gold and platinum cards plus American Express  will pick up the collision insurance when you rent a car. You just need to refuse it when you pick up the car and and inform the rental company that your credit card will pick up the insurance. 

Get The Lowest Price -If you see an item you purchased with a Citi premium card advertised for less within 60 days, Citi will make up the difference up to $250. Many gold and platinum MasterCards offer the same protection. 

Get Covered On The Road -  If your laptop is stolen from your hotel room, MasterCard will reimburse you if you used a gold or platinum card to pay for the room. Likewise, if your luggage doesn't arrive when you do, MasterCard will reimburse you for the cost of replacing essential items. Plus, MasterCard will cover the cost to replace or repair damaged luggage.