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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?

Answered on | Updated on July 1st, 2016
The content is accurate at the time of publication and is subject to change.

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.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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