7 Little-Known Credit Card Perks

Points and cash back are only a fraction of the things your card can do for you.

Enhance your warranty. Gold and platinum MasterCards, Visa Signature cards and American Express cards all extend the manufacturer's warranty by up to one year when you use the cards to purchase items. If you lose or break that new laptop or digital camera within 90 days of purchasing it with Citi's new ThankYou Premier card, Citi will pay to repair or replace it or reimburse you -- up to $1,000 per claim. The same is true for purchases made with your American Express card (the $450-per-year Platinum card has a limit of $10,000).

Get you the lowest price. If you see an item you purchased with a Citi premium card advertised for less within 60 days, Citi will make up the difference, up to $250. Many gold and platinum MasterCards offer similar protection.

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Senior Reporter, Kiplinger's Personal Finance