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Credit Card Applications » Questions » User Questions » Other » What kind of benefits should I be looking for in a credit card? I have heard of the Exchange credit program...

What kind of benefits should I be looking for in a credit card? I have heard of the Exchange credit program but I don’t know how it works. Can you tell me what type of benefits most credit cards offer?

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Rather than focusing on one specific card, it’s important to understand what benefits are available from different cards, so you know which ones to look for. Some common perks that come with credit cards include purchase protection and extended warranties, price guarantees that give you money back if the purchase price of an item you’ve bought drops within a certain time frame, concierge service, car rental insurance, travel insurance, emergency roadside assistance, and zero fraud liability, which protects you in case your account is hacked or your card is stolen. You may also want to look for online account management tools such as online bill pay, paperless statements, spending analysis, and debt pay down plans. Cards with no annual fee, no late payment fee, and no over-the-limit fee are also nice to have, as waiving fees is a pretty nice perk, too.

All credit cards terms, fees and rates mentioned in this article/post are actual on the posting date. See the current products’ Terms & Conditions on the issuing banks' websites.
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