{"id":4255,"date":"2022-03-17T17:00:00","date_gmt":"2022-03-18T00:00:00","guid":{"rendered":"https:\/\/www.cashry.com\/blog\/?p=4255"},"modified":"2023-03-01T02:50:46","modified_gmt":"2023-03-01T10:50:46","slug":"best-credit-card-perks","status":"publish","type":"post","link":"https:\/\/www.cashry.com\/blog\/best-credit-card-perks\/","title":{"rendered":"Best Credit Card Perks You Didn\u2019t Know About"},"content":{"rendered":"
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Credit cards are a common and often necessary thing. This is especially true when you want to reserve a rental car or hotel room. Credit cards also allow you to make purchases that you don\u2019t yet have the money for, which is great when your refrigerator suddenly goes out and you don\u2019t have enough savings to replace it.<\/p>\n\n\n\n

Additionally, many offer perks for using the card, which can get you free and discounted items, tickets, and much more. This quick guide goes over some of the least commonly-known and best credit card perks available.<\/p>\n\n\n\n

But, First\u2026.<\/h2>\n\n\n\n

Before we dive into the fun perks, let\u2019s get the responsible stuff out of the way. Credit cards can be handy when you don\u2019t have the funds on you to handle important things. However, they can also get you into deep water financially. It\u2019s imperative that you manage your credit card usage wisely<\/a> to prevent that from happening. And to do that, there\u2019s one essential thing to understand:<\/p>\n\n\n\n

Perks are only perks if they are actually helping you!<\/p>\n\n\n\n

Every purchase you put on a credit card is a chance for the credit card company to charge you interest<\/strong>. Sometimes, this interest is only added monthly. This gives you the chance to pay off the balance before the billing period closes. If you do, you won\u2019t have to pay the interest.<\/p>\n\n\n\n

Sometimes, though, interest is added daily. In this case, you need to go straight home and pay your bill or you will be paying interest. Also, many credit cards charge annual fees.<\/p>\n\n\n\n

So let\u2019s put this into perspective: If you\u2019re paying out $99 a year for the annual fee, and even as little as $25 per month in interest, that puts you paying $399 to use the credit card. If you\u2019re only getting $100 per year in perks, it\u2019s not really worth the trade-off.<\/p>\n\n\n\n

You should also think carefully about the perks themselves. Many credit cards offer airline perks<\/strong>, which can be great for those who fly frequently. However, if you only fly once a year to visit family during the holidays, the perks probably aren\u2019t worth the amount you spend to earn them.<\/p>\n\n\n\n

The bottom line is that you should never just jump on a card because it offers perks. You need to pay attention to the annual fees and the interest rate, for starters. You also only need to choose a card with perks you\u2019ll actually use. That\u2019s the only way that any perks are worth it.<\/p>\n\n\n\n

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