Master List of Credit Card Benefits Guides Master List of Credit Card Benefits Guides

Master List of Credit Card Benefits Guides

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Many conversations surrounding credit cards focus on the best ways to earn and burn points and miles. However, racking up and putting rewards to good use is just one part of the award travel hobby. Travel rewards cards provide a host of perks beyond points and miles. Credit card benefits range from concierge services to extensive insurance benefits, purchase protections, complimentary elite status, and high-value travel credits.

Unfortunately, banks tend to bury benefits deep in each card's terms and conditions, which are written in legalese only a Yale graduate can understand. As such, many perks remain a mystery to cardholders. But never fear; we're here to help with this master list of credit card benefits guides.

What Is a Credit Card Benefits Guide?

In the welcome pack when you get a new credit card in the mail is typically a printed pamphlet detailing your guide to benefits. These guides list the benefits, provide particulars as to what is and isn't covered, and offer information on how to make a claim.

Your guide to benefits pamphlet usually doesn't discuss big-ticket perks such as signup bonuses or airport lounge access. Instead, it includes details of the insurance coverage and purchase protections offered by your card.

Many rewards credit cards offer insurance when you use your card for purchases. Depending on the type of insurance you require (some cards provide multiple or even several types), consider checking out our roundup for the best cards for every category.

close-up of a man looking at a credit card while reading something on a smart phone
Credit: Anete Lusina/Pexels

Guide to Benefits Master List

While this is by no means a comprehensive list of every credit card and its benefits, we've included some of our favorite cards that we think offer competitive benefits. The table below offers one-click-away links to several benefit guides:

Credit CardProviderGuide to Benefits Links
All American Express-issued cardsAmerican ExpressGuide to Benefits
Bank of America® Premium Rewards® Elite Credit CardBank of AmericaGuide to Benefits
AAdvantage® Aviator® Red World Elite Mastercard®BarclaysGuide to Benefits
Barclaycard Arrival Plus® World Elite Mastercard®BarclaysGuide to Benefits
Capital One Visa & MasterCard BenefitsCapital OneGuide to Benefits
Chase Sapphire Reserve®ChaseGuide to Benefits
Chase Sapphire Preferred® CardChaseGuide to Benefits
Ink Business Preferred® Credit CardChase Guide to Benefits
Ink Business Cash® Credit CardChaseGuide to Benefits
Chase Slate®ChaseGuide to Benefits
Chase Freedom Unlimited®ChaseGuide to Benefits
Southwest Rapid Rewards® Plus Credit Card &
Southwest Rapid Rewards® Premier Credit Card
ChaseGuide to Benefits
Southwest® Rapid Rewards® Premier Business Credit CardChaseGuide to Benefits
The New United℠ Explorer Card & The New United Quest℠ CardChaseGuide to Benefits
The Ritz-Carlton™ Credit CardChaseGuide to Benefits
The World of Hyatt Credit CardChaseGuide to Benefits
Citi® / AAdvantage® Executive World Elite Mastercard®CitiGuide to Benefits
Citi Prestige® CardCitiGuide to Benefits
Citi Strata Premier℠ CardCitiGuide to Benefits
Wells Fargo Cash Wise Visa® card (closed to new applicants)Wells FargoGuide to Benefits
Wells Fargo Visa Signature® Card (closed to new applicants)Wells FargoGuide to Benefits

Sometimes, cards that seem similar offer very different benefits. Just because two cards are branded as a Visa Signature or Visa Infinite product doesn’t mean they will provide the same benefits or coverage. Thus, it’s essential to review the guide to benefits for your specific credit card to check the conditions and coverage of each benefit.

Related: Best Rewards Credit Card Offers this Month

Final Thoughts

Understanding the guide to benefits for the credit card in your wallet can potentially save you thousands of dollars. These guides detail specifics on how to claim a benefit and what the benefit will cover. In addition, there are exclusions and exceptions, keeping you up to date with the coverage offered for your card. So, next time you get one, don't throw it in the trash. Read through it and see what it has to offer.

AwardWallet Tip of The Day
Did you know you can see the transaction history for most of your loyalty program accounts in AwardWallet? In your AwardWallet account dashboard, click the + sign next to the account you want to view. Then, click the History tab to see your individual transaction history.
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