If you're paying an annual fee on a credit card, you're entitled to a suite of perks that most cardholders never activate. These aren't minor conveniences — they're valuable benefits worth hundreds or even thousands of dollars per year.
1. Cell Phone Protection
Many premium cards include cell phone protection when you pay your monthly bill with the card. Drop your phone? Screen cracked? You're covered for up to $800 per claim with a small deductible.
Annual value: $200-$800 per incident (and the average American cracks a screen every 18 months)
2. Extended Warranty
Purchase a laptop, TV, or appliance with your card and most premium cards automatically double the manufacturer's warranty — up to an additional year. No registration required.
Annual value: Can save hundreds on a single repair or replacement
3. Travel Insurance Bundle
This typically includes trip cancellation insurance, trip delay reimbursement (meals and hotel during delays), lost luggage coverage, and rental car insurance. Many travelers pay separately for coverage their card already provides.
Annual value: $100-$500 (a standalone travel insurance policy costs $50-$200 per trip)
4. Purchase Protection
Bought something that was stolen or damaged within the first 90-120 days? Most premium cards will reimburse you. This covers gifts, electronics, clothing — essentially anything you bought with the card.
Annual value: Varies, but a single claim can cover your annual fee
5. Statement Credits You Didn't Know About
Many premium cards include annual credits for dining, streaming, travel, or wellness that cardholders never claim because they don't know they exist. These credits are often automatic — you just need to use the card at qualifying merchants.
Annual value: $100-$300 in unclaimed credits per card
Are You Getting Your Money's Worth?
SuperPay's card analysis tool calculates whether each card in your wallet is earning back its annual fee through rewards and perks. If it's not, we'll recommend alternatives that do — or show you how to use existing perks you've been missing.