5 credit card perks you didn’t know existed

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5 credit card perks you didn’t know existed


Banks and credit card issuers are increasingly competing for a spot in your wallet. Popular credit card features include cash back, free flights or hotel stays, low interest and even sign-up bonuses. Then there are the invite-only cards whose unpublished benefits are rumored to include luxury car rental and confirmed upgrades at luxury hotels.

We found five credit cards with unique rewards and perks, no invite required. Keep in mind, these cards may require a good or excellent credit rating for approval, come with higher interest rates or have annual or other fees.

1. Free rounds of golf

The Citi Prestige® Card's (This offer is no longer available on our site). International Golf Benefit offers primary cardholders three complimentary rounds of golf each calendar year at over 2,000 golf courses worldwide. Just make sure to book your tee-time at an eligible course well in advance with your Citi Prestige® Card. And helpfully, one of the card's many benefits is a concierge service that can help with the reservation.

2. Airport lounges just for cardholders

American Express (a Credit Karma marketing partner) believes it can make airports more relaxing and accommodating. The Centurion® Lounge, American Express' own network of airport lounges, provides cardholders with free Internet access, fresh food, cocktails, spirits, wines and access to a business center.

Some locations even boast complimentary spa services, wine tasting areas, shower suites and a family room at no additional cost. Access to these lounges is complimentary for cardholders of the Platinum Card® from American Express or Centurion® Card flying on a same-day confirmed reservation departing or arriving at an airport with a Centurion® Lounge. For other American Express credit and charge cardholders, the cost is $50 per day.

3. Access to NFL merchandise and events

The NFL Extra Points Credit Card lets you easily show off your team pride. The points you accrue can be redeemed for team jerseys and other NFL merchandise, access to training camp and even tickets for games.

4. Complimentary admission to museums

Bank of America's Museums on Us® program allows you to use your photo ID and any Bank of America® or Merrill Lynch® debit or credit card for free general admission on the first Saturday and Sunday of each month at 150 participating cultural institutions - including museums, science centers and botanical gardens - across the country.

5. Reimbursements of in-flight Wi-Fi

With the Discover it® Miles credit card, you can use the in-flight Internet to send your latest photos, statuses or emails for free. Discover reimburses up to $30 per year of in-flight Wi-Fi purchases made with your card as an automatic statement credit for each year the card is open.

Bottom line

Many credit cards now offer some type of rewards or perks program, but popular rewards cards may come with higher interest rates and charge an annual fee that can be as high as $450. Banks also generally require good to excellent credit ratings for approval for these cards.

To take full advantage of all of the benefits, do your best to pay your credit cards on time and in full every month to maintain good credit habits. Interest and late fees are rarely worth it, even if the card's benefits are great.

About the author: Korrena Bailie is Credit Karma's Managing Editor. She's been writing and editing personal finance content since 2012. When she's not scanning personal finance-related Google Alerts, she's climbing, traveling to countries where it rains all the time (ahem, Ireland) or talking to her cats as if they're people.

Editorial Note: The opinions you read here come from our editorial team. While compensation may affect which companies we write about and products we review, our marketing partners don't review, approve or endorse our editorial content. Our content is accurate (to the best of our knowledge) when we initially post it, but we don't guarantee the accuracy or completeness of the information provided. You can visit the company's website to get complete details about a product. See an error in an article? Use this form to report it to our editorial team. For questions about your Credit Karma account, please submit a help request to our support team.

Advertiser Disclosure: We think it's important for you to understand how we make money. It's pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials.

Compensation may factor into how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That's why we provide features like your Approval Odds and savings estimates.

Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can.

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