Funancials

The Funny Money Blog

Lesser Known Credit Card Perks

Credit Cards, Personal Finance ·

Have you ever examined your cell phone bill closely? Over the past few years mine has skyrocketed from $40/month to $93/month. A lot of that increase can be explained by upgrading from a Zach Morris–style 12 lb brick to a sleek do-it-all computer.

Another portion of my cell phone bill goes towards cell phone insurance. Since I’m constantly carrying my $400 Droid and throwing it around like light-weight cheerleader in a basket toss, I thought it was a good idea to carry coverage. Do I enjoy paying $6.99/month for this peace of mind? Not really – but what other choice do I have?

How To Get Free Cell Phone Insurance

Use your credit card.

I could spend hours explaining why credit cards are the best form of payment, but that’s not what this specific post is for. Let’s face it: cash is dirty, debit is dangerous, and money orders are sketchy. None of the alternatives offer anything close to the same advantages. Aside from lucrative rewards programs, many personal and small business credit cards offer perks that most consumers aren’t aware of. One of those is free cell phone insurance. Here are a few others:

  • Rental Car Insurance
  • Trip Cancellation Insurance
  • Extended Warranties
  • Roadside Assistance

I don’t buy into the idea that credit cards, psychologically, make you spend more. Either you’re responsible enough to have one, or you’re not. As long as they’re used as a spending tool rather than a borrowing tool, you shouldn’t run into any trouble. If you’re one of those who has taken a pair of scissors to your plastic then you’re missing out on these lesser known credit card perks.

What perks do you take advantage of?

 

A Blinkin

Hunter, aka A. Blinkin, is the blogger behind Funancials. His experience in banking, lending, payments and investments has earned him the title of "Personal Finance Guru." In addition to helping people with their finances, Hunter enjoys crunchy tacos, open mouth kisses from his 2 baby boys and writing in third person.

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Important Disclosure

I'm a big believer in transparency. As such, you should know that I make money from this blog. Weird, I know. The way I make money is simple: I occasionally link to products and companies that I believe provide tremendous value. If you choose to sign up, I may receive a small payout. This payout comes at no additional cost to you and, trust me, it's small. I'm in no position to quit my day job. Please do not spend any money on these products unless you feel you need them or that they will help you achieve your goals.

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