14 Credit Card Perks You're Probably Not Using

You may be missing out on cash back and benefits you didn't even know about.

No two credit cards are exactly alike (read the fine print!), but almost all cards offer perks that can save you money, spare you hassle, or—hallelujah!—both. If you can figure out how to get out of credit card debt (or avoid that debt in the first place), credit card perks or benefits can help you save money and get you access to special events, spaces, and more.

Many of these credit card perks go beyond the travel or cash-back rewards many cards tout. Sometimes they go hand-in-hand, but for the most part, you may have great credit card perks even if you don't have a rewards credit card. The opposite is also true: That rewards credit card may be doubly worth the annual fee (if it has one at all) if it comes with extra perks.

Picking a credit card requires considering all the financial details—the APR, annual fees, whether it uses deferred interest for an initial signing benefit—but if those factors seem acceptable and the card comes with great perks, that card might be worth signing up for.

Whether you're taking a closer look at the credit card you've used for years or trying to pick a new one, here are 14 great credit card perks you may not know about. Take a look at the fine print of your credit card agreement to see the perks you can start taking advantage of.

At the Airport

  • Free checked luggage
  • Lounge access
  • Priority boarding
  • Credit toward TSA PreCheck for faster airport screening

At Hotels

  • Late checkout
  • Room upgrades
  • Complimentary breakfast

Around Town

  • Free entrance to a variety of museums and cultural centers
  • Rideshare credits for Uber or Lyft
  • Presale access and priority seating for some concerts and sports events

At Home

  • Protection against cellphone theft or damage
  • Free shipping from certain retailers
  • Extended warranties
  • Purchase protection
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