I Have a Visa Signature Credit Card. What Does That Get Me?

Have a credit card that is part of the Visa Signature family? It likely carries several added benefits that could save you money.

When choosing a new credit card, you may consider the rewards you get as part of the incentive to get (and use) the card. But there are often rewards that go beyond points toward travel or cash back. And if your card is part of the Visa Signature family, it likely carries several benefits beyond the rewards that could save you money in the long run.

We’ll go over some of those great perks now, but it’s still a good idea to find that agreement and read over it so you know all the finer details, as they may vary based on your individual Visa Signature card. (Want a Visa Signature card but not sure if you’re eligible? Take a look at your free credit report snapshot to get a better understanding.)

Roadside Dispatch

Visa Signature cardholders can call for roadside dispatch if they have car troubles. The flat rate for this perk is $59.99 ($69.99 starting on October 1, 2017). Services tied to this include:

  • Towing: Up to five miles included. Additional costs if you need further towing.
  • Tire Changing: You must have a good, inflated spare tire.
  • Lockout Service: This doesn’t include key replacement.
  • Fuel Delivery: This covers the delivery of up to five gallons of gasoline, but does not cover the cost of the fuel.
  • Winching: Your car must be within 100 feet of paved or county-maintained road.
  • Jump Starting

Lost Luggage Reimbursement

If you lose your luggage while traveling and you paid for your travel expenses with a Visa Signature card, this feature may come in handy. The benefit limits are up to $2,000 per bag and up to $3,000 total. This policy serves as secondary coverage. This means that if your loss is covered by insurance, Visa will only cover the amount that is not paid by your primary insurance company.

Travel & Emergency Assistance Services

If you are working or traveling anywhere in the world, and the need for assistance arises, your Visa Signature card will have you covered. This service includes emergency translation services, lost luggage locator, emergency ticket replacement, legal referral assistance, prescription assistance and valuable document delivery, emergency message service, emergency transportation service, medical referral assistance, and pre-trip assistance.

Auto Rental Collision Damage Waiver

If you put a rental car on your Visa Signature card, you’ll have additional collision and theft coverage. This will act as secondary coverage, which means it will only pay out after your primary insurance has processed and paid on any claim you have to make. One helpful feature is that this will cover the deductible you pay to your primary insurer. It’s important to note that in order for this benefit to be activated, you will need to decline coverage from the car rental company’s collision damage waiver.

Emergency Card Replacement & Emergency Cash Disbursement

If your card is lost or stolen, Visa will have a replacement card sent to you in 24 to 72 hours, no matter where you’re located in the world, which can be a great perk if you’re traveling. Visa will also help you receive an emergency cash advance to help cover any expenses you might have while you are waiting for your new card to arrive.

Warranty Manager Service

Using your Visa Signature card can extend the warranty on most of your purchases. However, to use this benefit you are required to register each purchase you make so that if something happens to the item, the information will be on file when you submit a claim. If the manufacturer’s warranty is for less than one year, this benefit will double the warranty. For a manufacturer’s warranty of one to three years, an additional year will be added on.

Visa Signature Concierge & Visa Signature Deals + Offers

As a Visa Signature cardholder, you will receive 24/7 assistance. This service can be used to help you do things like make travel plans or book a dinner reservation. In addition, it will give you special deals on travel, shopping, sports, and entertainment.

If you travel frequently and stay at high-end hotels and resorts, you will enjoy access to the Visa Signature Luxury Hotel Collection, which provides discounts like a percentage off your room rate or a free night. In addition, you can receive complimentary room upgrades, food and beverage credits, complimentary in-room Wi-Fi, late checkout, and more.

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

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4 Invitation-Only Credit Cards

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If you have reasonably good credit and a steady income, credit cards aren’t usually that difficult to come by. In fact, you may be throwing credit card offers out with the rest of your junk mail on a regular basis. (Actually, we hope you’re shredding them so you don’t put yourself at risk for identity theft.) But it’s likely that the companies sending you mailers are just hunting for new customers, and there’s nothing too exclusive about them.

By contrast, there are some credit cards that are rarely advertised anywhere, and are available to top tier customers by invitation only. Consumers can’t apply for them, and offers are only extended to the most qualified.

These are four of the most exclusive credit cards that come by invitation only.

1. The Dubai First Royale MasterCard

The Dubai First Royale MasterCard is a black card so ritzy it has diamond and gold details embedded on the face of the card. The card is invitation only for a very limited group of the “upper echelons of the social and business community.” The card comes with no limit, a dedicated account manager, and Royale Lifestyle Management — presumably a “lifestyle manager” similar to a personal concierge — but details are slim, so you can let your imagination run wild with what this entails.

2. The American Express Centurion Card

This American Express invite-only card is referenced in rap songs and TV shows, and is known as one of the most exclusive black cards on the market. But information on the features that come with this anodized titanium card is scarce. However, it’s reported the card will get you access to Amex’s Centurion lounges at airports, as well as (rumored) free upgrades at hotel chains, airline credits and other special services. It comes with a hefty price: an “initiation fee” of $7,500 and an annual fee of $2,500.

3. The Visa Infinite Eurasian Diamond Card

According to Kazakhstan-based Eurasian Bank, the Visa Infinite Eurasian Diamond Card is the world’s first card to feature diamond-and-gold ornamentation. To become a cardholder, you must be recommended by two bank members of the Eurasian Bank’s Management Board.

Unlike other cards on this list, the card provider is very transparent about the benefits. Features include concierge services that arrange transportation (including private planes), translator and courier services and even butler services. There is no credit card limit, but there are fees associated with the card, depending on the year of service and the customer’s status.

4. MasterCard’s Luxury Card Priceless Program

This is a departure from the other invitation-only cards on the list, as the MasterCard Priceless service is actually a program available to MasterCard’s luxury line of credit cards, including their Gold Card, Black Card and Titanium Card. Technically, you can directly apply for all three of these cards through MasterCard’s website.

But we’re including them as a bundle on this list because of MasterCard’s Priceless program, which is unavailable to most MasterCard holders. This service gets cardholders access to invitation-only, exclusive experiences. These could include backstage tickets and courtside seats, access to VIPs and industry experts, exclusive golf experiences and other curated excursions.

OK, so most of us probably won’t be using these cards. But if you’re considering a rewards credit card that is more within your reach (and there are plenty of great ones out there), it’s important to know where your credit stands. After all, you have to have good or excellent credit to get the coveted perks and you don’t want to apply (and take the hit of a hard inquiry) just to get denied. You can see two of your credit scores for free, updated every 14 days, on Credit.com.

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

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The Forgotten Credit Card Perks That Could Save You Money

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Credit card companies love to publicize their huge signup bonuses and the rewards that consumers can earn when they use their card. These are the perks that can drive people to opt for one card over another. What you don’t hear are all the other benefits that come with many credit cards. While they might not be flashy, like receiving a four-figure signup bonus, they can be really beneficial to have.

Remember, it’s important to read the fine print thoroughly when vetting a card. Not only will this help you determine if the card is right for you, it will also familiarize you with the benefits you’ll have available should you get the card. It’s also a good idea to check your credit before you apply for some new plastic. That way, you’ll have an idea of what cards you can qualify for and won’t incur an inquiry on your credit report only to be rejected. (You can view two of your credit scores, updated every 14 days, for free on Credit.com.)

Now, let’s take a look at five different credit card perks that you might have forgotten, but can save you money.

1. Travel Insurance

Several credit cards offer different variations of travel insurance when you use the card to book your trip. To start, if your baggage is lost, stolen, or damaged, you can be compensated for the cost, up to a certain amount. This benefit tends to kick in when the airline itself will not cover the replacement cost. Some cards will also include baggage delay insurance, which will cover the cost to purchase incidentals, in case you make it to your destination before your luggage.

Your credit card might also come with trip cancellation and trip interruption insurance. If you trip is cancelled or delayed for an extended period of time, and you have non-refundable travel arrangements made, then you may be able to get compensated for the loss. The cancellation or delay must be caused by a qualifying reason like sickness or weather. One of the most generous cards for trip cancellation insurance is the Chase Sapphire Preferred card (see full review here), which has a benefit limit of $10,000.

2. Car Rental Coverage

Depending on your credit card, you might have either primary or secondary car rental insurance. Most cards will include anywhere from $25,000 to $50,000 worth of coverage. If your card offers secondary car rental insurance, you will be covered for anything that your standard insurance company will not pay for. However, if your card comes with primary car rental insurance, you could be completely covered in case of a loss, up to the benefit limit. With primary coverage, you can decline the car rental companies policy and you won’t need to inform your insurance company if an accident should happen. The Ritz-Carlton Rewards credit card, also from Chase, is one of several cards that offers primary car rental coverage.

3. Price Protection

How many times have you made a purchase only to find it on sale a week later? It can be a frustrating feeling. Luckily you might be able to avoid this annoyance by using a credit card for your purchase. There are several cards available that come with price protection. This will cover you in case the price declines on an item, usually within the first 60 to 90 days after purchase. You will be reimbursed for the difference in price. Check your benefits statement to see what the claim and/or lifetime limits are for your card. Two of the best cards for price protection are the Chase Freedom (see full review here) and the Discover It card. Both of these will give you 90 days for the date of purchase and have a limit of $500 per claim and $2,500 per year.

4. Extended Warranty

Every time you purchase electronics, appliances, or another big ticket item, the salesperson will ask you if you’d like to purchase an extended warranty. These tend to add a little extra protection over and above the manufacturer’s warranty. Depending on the credit card you use, however, you might have this built right in. Several credit cards offer extended warranty protection, giving you an additional one year after the manufacturer’s warranty expires.

5. Purchase Protection

Purchase protection will cover items that you buy against accidental damage and theft, usually within the first 90 to 120 days. There are exclusions to what is covered, so it’s important to check your card’s benefits statement to find out what your card offers. Most cards will cover anywhere from $500 to $1,000, but a card like the Platinum Card from American Express or American Express Premier Gold Rewards card will actually offer a benefit up to $10,000 per claim, $50,000 per calendar year.

At publishing time, the Discover it, American Express Platinum and American Express Premier Gold Rewards credit cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for these cards. However, this relationship does not result in any preferential editorial treatment.

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

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4 Credit Cards That Will Make You Feel Like a Millionaire

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When most people think about how the rich and famous travel, they probably picture first-class flights and penthouse suites. While this is usually true, that lifestyle doesn’t have to be strictly reserved for the one-percenters. By having the right piece of plastic in your wallet, you, too, could feel like a millionaire on your next vacation.

Keep in mind, a lot of these premium credit cards do come with a price — in the form of a high annual fee. That fee could be recouped via rewards and other benefits, depending on how you spend, but it’s important to do a cost-benefit analysis to determine if a particular credit card is right for you. It’s also important to note that rewards credit cards are best-served to those who don’t carry a balance, since your points can easily be lost to interest. Finally, anyone considering a new credit card should probably check their credit before applying since your credit scores will determine what kind of offers you will qualify for. (You can view two of your credit scores, updated every 14 days, for free on Credit.com.)

Here are four different cards for you to consider that could leave you feeling like a millionaire.

1. Chase Sapphire Reserve

Released earlier this year, the Chase Sapphire Reserve card has quickly become the “cool” credit card to have in your wallet. The card offers a signup bonus of 100,000 Ultimate Reward points (the equivalent of $1,500 when you redeem them through the bank’s travel portal) once you spend $4,000 in the first three months. That’s enough points to put you near the front of the plane on many different airlines.

In addition to a mega-signup bonus, the Chase Sapphire Reserve card has a very generous reward program. You’ll earn 3x the Chase Ultimate Reward points on restaurant and travel purchases and 1x on all other purchases.

If you want to really feel like a millionaire when you are traveling, then you will love that this card will also give you access to over 900 different airport lounges with a complimentary Priority Pass membership. Forgot about spending your layover sitting in cramped airport seats, now you can drink a cocktail while relaxing in a comfortable seating.

This card does come with $450 annual fee, but you will receive a $300 annual travel credit. Unlike some elite credit cards, this benefit can be used with more than just airlines. It can also be used on any purchases that Chase codes as a travel expense. The card carries an annual percentage rate (APR) between 16.24% and 23.24%, depending on your creditworthiness.

2. Platinum Card From American Express

Earning a lot of credit card points is nice, but what really makes someone feel exclusive, are the luxury benefits that come with the card. The Platinum card from American Express (see full review here) offers a concierge service, which will serve as your very own personal assistant. Looking to grab a reservation at a highly sought after restaurant? Want to experience private, invitation-only events, like the Kentucky Derby or a movie premier in an exotic location? You can do that as a Platinum cardholder.

In addition to these elite perks, you will be able to earn 40,000 American Express Membership Rewards points once you sign up and spend $3,000 within the first three months. When you use your card for travel purchases, you will earn 5x the Membership Rewards points. For all other purchases, you will earn 1x the points. Cardholders will receive a complimentary upgrade to Starwood Preferred Guest Gold status, as well as Hilton HHonors Gold. You will also have access to the American Express Fine Hotels and Resorts. When you book your hotel through this program, you can receive some great perks, including room upgrades, late checkout, daily breakfast for two, and a unique gift at each property that could be a $100 dining credit or a complimentary massage for two.

The annual fee is $450, but you will receive a $100 credit for either Global Entry or TSA Pre-Check and each calendar year you will receive a $200 airline credit. As a charge card, you’re expected to pay your balance off in full each month, so there’s no purchase APR.

3. American Express Delta Reserve Credit Card

If you travel frequently and want to improve your chances at being an airline elite, then the Delta Reserve Credit Card from American Express will give you a leg up. After you make your first purchase with the card, you will receive 10,000 Delta SkyMiles and 10,000 Medallion Qualifying Miles (MQM). Then each calendar year you will receive an additional 15,000 Delta SkyMiles and 15,000 MQM for each $30,000 you spend on your card.

When you become a Delta Medallion member, you will receive some great benefits, like complimentary upgrades to first class and upgrades for your travel companions when they are flying on a revenue ticket. In addition to Medallion benefits, the card will also provide you with priority boarding, your first checked bag free, Delta Sky Club access, and no foreign transaction fees. There is a $450 annual fee. The card carries a variable APR between 15.99% to 24.99%.

4. Ritz-Carlton Rewards Credit Card

For a long time, Ritz-Carlton hotels have been known to be some of the more elegant places to stay around the world. When you sign up for the Ritz-Carlton Rewards credit card, you will have the opportunity to experience that elegance first-hand. You will receive three complimentary nights at any category 1-4 Ritz-Carlton after spending $5,000 in the first three months of being a cardholder. In addition, you will receive 10,000 bonus points when you add an authorized user and they make a purchase in the same three-month period.

As a cardholder, you will be able to upgrade to Club level three times per year when you are staying for seven or more nights. Anytime you stay for two or more nights, you will receive a $100 hotel credit. This can be used on dining, spa treatments, or any activity through the hotel. Cardholders will receive Ritz-Carlton Gold Elite status and if you spend $75,000 or more per year, you will be upgraded to Platinum Elite status. The card carries a variable APR between 16.24% and 23.24%.

There is a $450 annual fee, but you will receive a $300 annual travel credit, $100 credit towards Global Entry or TSA Pre-Check, and because this is a Visa Infinite card, you will also receive a $100 airfare discount when you purchase two or more airline tickets.

At publishing time, the Platinum Card from American Express is offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment.

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

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3 Credit Cards That Can Get You Into First Class

Dreaming of going somewhere new but want to kick it up a notch? Flying first class may be just the ticket.

“Travel rewards cards are a great tool for consumers who do a lot of traveling,” Thomas Nitzsche, media relations manager for ClearPoint Credit Counseling Solutions, said. “Travel rewards cards come with many perks, most of which are based on a points system rewarding those who use the card the most.”

If one of those perks you’re looking for is a way to travel in style, a travel credit card may be able to help you do so. Here are three cards that may be what you’re looking for.

For Flying With Any Airline: Capital One Venture Rewards

The Capital One Venture Rewards credit card (which you can read a full review of here) offers new cardholders a nice reward of 40,000 bonus miles (equal to $400 in travel) after spending $3,000 in the first three months after signing up. From there, you’ll get two miles for every dollar spent — and there’s no cap on how many points you can earn. Keep in mind, however, that the card comes with a $59 annual fee, but it’s waived for the first year. Your points are redeemable for airline tickets — including a luxurious first class seat on any qualifying airline. It carries a variable purchase annual percentage rate (APR) between 13.24% and 23.24%.

Bonus: Through January 2017, you can use your card and get 10% off any hotels booked through HotelTonight, carrying your first-class status even further.

For Loyal Delta Airline Travelers: Gold Delta SkyMiles Credit Card From American Express

If you’re frequently jet-setting on a Delta aircraft, this credit card may be the best route for you. Not only will you get 50,000 bonus miles when you sign on and spend $1,000 in the first three months, but you’ll also get a $50 credit when you make a Delta purchase on the card during the same time frame. There is no annual fee with this card during the first year, but will raise to $95 after that. You’ll enjoy priority boarding any time you fly. So, even if you’re not using the points you’ve earned using your Gold Delta SkyMiles credit card from American Express (which you can read a full review of here) to book a first class seat, you’ll still get to enjoy some of the perks. The card carries a variable APR from 15.49% to 19.49%.

For Loyal American Airlines Travelers: Citi AAdvantage Executive World Elite MasterCard

Pack your bags — and check them for free, too. That’s right, you can lock in a first class seat on an American Airlines flight when you use your reward points and get your first checked bag free for you and eight others booked on the same reservation. (Full Disclosure: Citibank, as well as American Express and Capital One, advertise on Credit.com, but that results in no preferential editorial treatment.) You’ll get 50,000 bonus miles after spending $5,000 in the first three months to help you get started. With this card, you’ll earn two miles for every dollar spent on American Airlines transactions, and one mile for every dollar spent elsewhere. The card does carry a $450 annual fee, however, so this card is best suited to very frequent fliers and big spenders. It carries a standard variable purchase APR of 15.49%.

Before You Pack…

Nitzsche noted that some of the biggest pitfalls people have when using these cards include “failing to cost-compare against other airlines just because you have the branded card” and “being convinced to spend on a card for items you don’t really need just to accrue points.” It’s important you keep these things in mind so you can use your card responsibly.

If you decide you want to sign up for one of these cards, you may want to take a look at your credit before doing so, as they typically require a good or excellent credit score to qualify. (You can see two of your credit scores for free, updated every 14 days, on Credit.com.) After all, you don’t want to suffer the hard inquiry ding just to find out the issuer denied you. If you discover your scores aren’t riding in first class, you can take steps to change that, like paying down debts and fixing any errors you find on your credit reports.

At publishing time, the Capital One Venture Rewards, American Express Gold Delta SkyMiles and the Citi AAdvantage Executive World Elite MasterCard credit cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for these cards. However, this relationship does not result in any preferential editorial treatment.

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

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5 Credit Cards That Can Make You a VIP Instantly

Many businesses offer their customers preferential treatment based on their status in its loyalty program or by having and using a specific credit card. As a result, some customers receive VIP-status perks, like instant upgrades when they travel and preferred seats at sporting and entertainment events.

If you would like to enjoy some of these instant upgrades, you may want to consider applying for one of these credit cards.

1. Citi Hilton HHonors Reserve Card

The Citi Hilton HHonors Reserve card (you can read our review here) offers you instant Gold status in the Hilton HHonors program, which features perks like free room upgrades, late checkouts and even free breakfast. (Full Disclosure: Citibank as well as ChaseAmerican Express, Barclaycard and MasterCard advertise on Credit.com, but that results in no preferential editorial treatment.) Cardholders also earn 10 points per dollar spent at Hilton properties, five points per dollar spent on airline and rental car purchases, and three points per dollar spent on other purchases. There is a $95 annual fee for this card and no foreign transaction fees.

2. Barclaycard Arrival Plus World Elite MasterCard

This card is part of the World Elite MasterCard program, which features all sorts of opportunities for upgrades. For example, the World Elite car rental program offers you elite status with Avis, Budget, National, and Sixt, allowing you to skip the counter, receive discounts and enjoy upgrades. The World Elite Air program offers savings with several major airlines and even complimentary business class upgrades from qualifying fares on Lufthansa, Austrian Airlines, Brussels Airlines and Swiss. In addition, cardholders earn double miles on all purchases and miles are worth one cent each as statement credits toward travel reservations. There is an $89 annual fee for this card that’s waived the first year, and no foreign transaction fees.

3. Delta Reserve Card From American Express

This card offers you lots of Medallion Qualifying Miles (MQMs), which can lead you to elite status in the Delta SkyMiles program and the opportunity for plenty of additional upgrades. New applicants can earn 10,000 MQMs after their first purchase, and another 15,000 MQMs after spending $30,000 in a calendar year. A further 15,000 MQMs is offered to those who reach $60,000 in purchases in the same calendar year. In addition, cardholders can receive upgrade priority over other travelers with the same level of elite status, but without this card. Other benefits include access to the Delta SkyClub lounges, a free checked bag and priority service at check-in and boarding. There is a $450 annual fee for this card and no foreign transaction fees.

4. The Ritz-Carlton Rewards Card From Chase

This card offers guests special hotel privileges including three complimentary upgrades to the Ritz-Carlton Club Level each year, a $100 hotel credit on paid stays of two nights or longer, and automatic Gold Elite Status your first account year. Other benefits include unlimited access to the airport lounges in the Priority Pass Select network and a $300 annual airline travel credit that you can use for seat upgrades. There is a $395 annual fee for this card and no foreign transaction fees.

5. American Express Premier Rewards Gold Card

The American Express Premier Rewards Gold card (read the full review here) features American Express Preferred Seating, which includes access to premium seats for select cultural and sporting events, based on availability. Cardholders also have access to The Hotel Collection which features a $75 hotel credit toward qualifying dining, spa and resort activities, plus a room upgrade upon arrival, if available. To receive these benefits, you have to book a stay of at least two consecutive nights at participating properties with American Express Travel. There is a $195 annual fee for this card and no foreign transaction fees.

It’s important to note that these types of rewards credit cards are typically best suited for people who are able to pay each month’s statement balance in full to avoid interest charges, as these cards typically come with higher interest rates than cards that don’t offer such premiere rewards. It’s a good idea to read the terms and conditions of any card you are considering before applying — and to review your credit before you apply so you have an idea of what you may qualify for. (You can see where your credit currently stands by viewing two of your free credit scores, updated each month, on Credit.com.)

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

At publishing time, the Citi Hilton HHonors Reserve cardBarclaycard Arrival Plus World Elite MasterCard and American Express Premier Rewards Gold Card are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for these cards. However, this relationship does not result in any preferential editorial treatment.

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8 Perks of a Better Credit Score

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7 Credit Card Perks Reserved for the Rich & Famous

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7 Credit Card Perks Reserved for the Rich & Famous

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