Credit Card Benefits You’re Probably Not Using

Your credit card offers more than just rewards. Here are valuable benefits most cardholders overlook.

Purchase Protection

Covers theft or damage of items purchased with the card, typically for 90-120 days.

Example: New laptop stolen from your car → Card may reimburse you.

Rental Car Insurance

Many cards offer primary or secondary rental car coverage. You might not need the rental counter’s expensive insurance.

Important: Know if your coverage is primary or secondary.

Price Protection

Some cards refund the difference if an item’s price drops after purchase.

Note: This benefit is less common now.

Last updated: January 2026 Affiliate disclosure: ShortcutBest may earn a commission when you apply through our links.