20+ Credit Card Benefits You’re Probably Not Using
#284: Chris breaks down the credit card benefits that save real money but rarely get attention, from getting a cracked iPhone repaired for free to purchase protections, travel coverage, and a deep bench of lesser-known perks. Learn exactly which card to reach for on every purchase, so you're always covered and never leaving money on the table.
Link to Full Show Notes: https://chrishutchins.com/hidden-credit-card-benefits-2026/
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Resources Mentioned
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Benefit Programs
ATH Podcast
Ep #66: Rental Cars: Saving Money, Avoiding Fees and All the Secret Tricks with Jonathan Weinberg
Ep #113: Unlocking the Power of Plastic: Maximizing Your Hidden Credit Card Benefits
Ep #221: Deep Dive on Credit Reports, Scores, and Their Real-World Impact
Ep #224: Airport Lounges: Getting In, Hidden Perks and Expert Tips with Kevin Song
AMA: Submit Questions
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Full Show Notes
(00:00) Introduction
(02:15) Purchase Benefits Overview
(02:36) Purchase Protection: Coverage for Damaged or Stolen Items
(05:15) How Extended Warranty Protection Works
(06:36) Return Protection for Items Stores Won’t Take Back
(07:55) When Price Protection Can Save You Money
(12:27) Travel Benefits Overview
(12:46) Trip Cancellation & Interruption Insurance
(13:22) Trip Delay Coverage
(13:47) Delayed Luggage Reimbursement
(14:04) Lost and Damaged Bag Insurance
(16:01) Rental Car Coverage: Primary vs. Secondary Insurance
(21:37) Emergency Medical Coverage While Traveling
(22:54) Non-Emergency Medical and Dental Coverage
(23:22) What Travel Accident Insurance Actually Covers
(23:53) Lounge Access Across Issuers and Networks
(25:06) Booking the Luxury Hotel Collections for Free Perks
(29:34) Free International Data and Roaming Benefits
(31:46) Global Entry, TSA PreCheck & Trusted Traveler Credits
(32:29) Cell Phone Protection Benefits
(35:12) How to Maximize Card-Linked Offers
(36:16) Automating Card-Linked Offers With CardPointers
(37:26) What Credit Card Concierge Services Can Actually Do
(38:49) Free Credit Scores and Credit Monitoring Tools
(40:06) The Chase Instacart Benefit (and How to Stack It)
(45:18) The Chase DoorDash Benefit
(47:31) Exclusive Restaurant Reservation Programs
(48:30) American Express Uber Benefits
(49:14) Lyft Perks for Mastercard Holders
(49:43) Capital One Entertainment and Drink Benefits
(50:24) Free Museum Access With Bank of America and Capital One
(52:22) Experience and Entertainment Programs
(54:11) Getting Cash Out of Your Credit Card Benefits
(55:50) Instant Approval and Virtual Card Numbers
(58:02) Visa Network Benefits Worth Knowing
(59:26) Mastercard Network Perks: Transit, Peacock, Airport Fast Track & Soho Friends
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Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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Connect with Chris
Newsletter | Membership | X | Instagram | LinkedIn
Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.