{"id":18924,"date":"2024-07-23T23:59:23","date_gmt":"2024-07-23T23:59:23","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=18924"},"modified":"2026-04-08T14:00:03","modified_gmt":"2026-04-08T14:00:03","slug":"guide-to-benefits-list","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/guide-to-benefits-list\/","title":{"rendered":"Master List of Credit Card Benefits Guides"},"content":{"rendered":"<p>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. <a target=\"_blank\" href=\"\/credit-cards\/best-credit-card-for-travel\/\" rel=\"noopener\">Travel rewards cards<\/a> provide a host of perks beyond points and miles. <a target=\"_blank\" href=\"\/credit-cards\/best-credit-card-benefits\/\" rel=\"noopener\">Credit card benefits<\/a> range from concierge services to extensive insurance benefits, purchase protections, complimentary elite status, and high-value travel credits.<\/p>\n<p>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.<\/p>\n<h2><span id=\"What_Is_a_Credit_Card_Benefits_Guide\">What Is a Credit Card Benefits Guide?<\/span><\/h2>\n<p>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.<\/p>\n<p>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.<\/p>\n<p>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.<\/p>\n<ul>\n<li><a target=\"_blank\" href=\"\/credit-cards\/rental-car-insurance\/\" rel=\"noopener\">Rental car insurance<\/a><\/li>\n<li><a target=\"_blank\" href=\"\/credit-cards\/trip-cancellation-insurance\/\" rel=\"noopener\">Trip interruption and trip cancellation insurance<\/a><\/li>\n<li><a target=\"_blank\" href=\"\/credit-cards\/trip-delay-insurance\/\" rel=\"noopener\">Flight delay protection<\/a><\/li>\n<li><a target=\"_blank\" href=\"\/credit-cards\/baggage-delay-insurance\/\" rel=\"noopener\">Baggage delay coverage<\/a><\/li>\n<li><a target=\"_blank\" href=\"\/credit-cards\/credit-cards-with-lounge-access\/\" rel=\"noopener\">Airport lounge access<\/a><\/li>\n<li><a target=\"_blank\" href=\"\/credit-cards\/cards-with-travel-statement-credit\/\" rel=\"noopener\">Travel credits and airline incidental credits<\/a><\/li>\n<li><a target=\"_blank\" href=\"\/credit-cards\/purchase-protection\/\" rel=\"noopener\">Purchase protection<\/a><\/li>\n<li><a target=\"_blank\" href=\"\/credit-cards\/return-protection\/\" rel=\"noopener\">Product return protection<\/a><\/li>\n<li><a target=\"_blank\" href=\"\/credit-cards\/price-protection\/\" rel=\"noopener\">Price protection<\/a><\/li>\n<li><a target=\"_blank\" href=\"\/credit-cards\/extended-warranty\/\" rel=\"noopener\">Extended warranty coverage<\/a><\/li>\n<\/ul>\n<figure id=\"attachment_165989\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-165989 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Anete-Lusina-Pexels-man-with-phone-and-credit-card-featured.png\" alt=\"close-up of a man looking at a credit card while reading something on a smart phone\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Anete-Lusina-Pexels-man-with-phone-and-credit-card-featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Anete-Lusina-Pexels-man-with-phone-and-credit-card-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Anete-Lusina-Pexels-man-with-phone-and-credit-card-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Anete-Lusina-Pexels-man-with-phone-and-credit-card-featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Anete Lusina\/Pexels<\/em><\/enter><\/figure>\n<h2><span id=\"Guide_to_Benefits_Master_List\">Guide to Benefits Master List<\/span><\/h2>\n<p>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:<\/p>\n<p>\n<table id=\"tablepress-124\" class=\"tablepress tablepress-id-124 tablepress-responsive\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Credit Card<\/th><th class=\"column-2\">Provider<\/th><th class=\"column-3\">Guide to Benefits Links<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">All American Express-issued cards<\/td><td class=\"column-2\">American Express<\/td><td class=\"column-3\"><a href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/features-benefits\/policies\/\" rel=\"noopener noreferrer\" target=\"_blank\">Guide to Benefits<\/a><\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"152\" href=\"https:\/\/awardwallet.com\/credit-cards\/bank-of-america\/premium-rewards-elite\/\">Bank of America<sup>\u00ae<\/sup> Premium Rewards<sup>\u00ae<\/sup> Elite Credit Card<\/a><\/td><td class=\"column-2\">Bank of America<\/td><td class=\"column-3\"><a href=\"https:\/\/www.managerewardsonline.bankofamerica.com\/cms\/published\/root\/duo\/sharedContent\/premiumelite\/pdf\/RewardsBenefitsGuide.pdf\" rel=\"noopener noreferrer\" target=\"_blank\">Guide to Benefits<\/a><\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\"><a data-ccid=\"3\" href=\"https:\/\/awardwallet.com\/credit-cards\/american-aadvantage\/aviator-red-mastercard\/\" =_blank>AAdvantage<sup>\u00ae<\/sup> Aviator<sup>\u00ae<\/sup> Red World Elite Mastercard<sup>\u00ae<\/sup><\/a><\/td><td class=\"column-2\">Barclays<\/td><td class=\"column-3\"><a href=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/06\/Barclays-AA-Aviator-Card-benefits-guide.pdf\" rel=\"noopener noreferrer\" target=\"_blank\">Guide to Benefits<\/a><\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\">Barclaycard Arrival Plus<sup>\u00ae<\/sup> World Elite Mastercard<sup>\u00ae<\/sup><\/td><td class=\"column-2\">Barclays<\/td><td class=\"column-3\"><a href=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/06\/Barclays-Arrival-Plus-benefits-guide.pdf\" rel=\"noopener noreferrer\" target=\"_blank\">Guide to Benefits<\/a><\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\"><strong>Capital One Visa & MasterCard Benefits<\/strong><\/td><td class=\"column-2\">Capital One<\/td><td class=\"column-3\"><a href=\"https:\/\/www.capitalone.com\/credit-cards\/benefits-guide\/\" rel=\"noopener noreferrer\" target=\"_blank\">Guide to Benefits<\/a><\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"4048084\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/sapphire-reserve\/\">Chase Sapphire Reserve<sup>\u00ae<\/sup><\/a><\/td><td class=\"column-2\">Chase<\/td><td class=\"column-3\"><a href=\"https:\/\/www.chasebenefits.com\/sapphirereserve2\" rel=\"noopener noreferrer\" target=\"_blank\">Guide to Benefits<\/a><\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\"><a data-ccid=\"2061159\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-sapphire-preferred\/\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/a><\/td><td class=\"column-2\">Chase<\/td><td class=\"column-3\"><a href=\"https:\/\/www.chasebenefits.com\/sapphirepreferred\" rel=\"noopener noreferrer\" target=\"_blank\">Guide to Benefits<\/a><\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"3006145\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/ink-business-preferred\/\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/a><\/td><td class=\"column-2\">Chase <\/td><td class=\"column-3\"><a href=\"https:\/\/static.chasecdn.com\/content\/services\/structured-document\/document.en.pdf\/card\/benefits-center\/product-benefits-guide-pdf\/Ink%20Business%20Preferred_Visa%20Biz%20Sig.pdf\" rel=\"noopener noreferrer\" target=\"_blank\">Guide to Benefits<\/a><\/td>\n<\/tr>\n<tr class=\"row-10 even\">\n\t<td class=\"column-1\"><a data-ccid=\"340040\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/ink-business-cash\/\">Ink Business Cash<sup>\u00ae<\/sup> Credit Card<\/a><\/td><td class=\"column-2\">Chase<\/td><td class=\"column-3\"><a href=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/06\/Ink-Benefits-2024.pdf\" rel=\"noopener noreferrer\" target=\"_blank\">Guide to Benefits<\/a><\/td>\n<\/tr>\n<tr class=\"row-11 odd\">\n\t<td class=\"column-1\"><strong>Chase Slate<sup>\u00ae<\/sup><\/strong><\/td><td class=\"column-2\">Chase<\/td><td class=\"column-3\"><a href=\"https:\/\/www.chasebenefits.com\/slate\" target=\"_blank\" rel=\"noopener\">Guide to Benefits<\/a><\/td>\n<\/tr>\n<tr class=\"row-12 even\">\n\t<td class=\"column-1\"><a data-ccid=\"3006090\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/freedom-unlimited\/\">Chase Freedom Unlimited<sup>\u00ae<\/sup><\/a><\/td><td class=\"column-2\">Chase<\/td><td class=\"column-3\"><a href=\"https:\/\/www.chasebenefits.com\/freedom\" rel=\"noopener noreferrer\" target=\"_blank\">Guide to Benefits<\/a><\/td>\n<\/tr>\n<tr class=\"row-13 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"520080\" href=\"https:\/\/awardwallet.com\/credit-cards\/southwest-rapid-rewards\/southwest-plus\/\">Southwest Rapid Rewards<sup>\u00ae<\/sup> Plus Credit Card<\/a> & <br \/>\n<a data-ccid=\"2000147\" href=\"https:\/\/awardwallet.com\/credit-cards\/southwest-rapid-rewards\/southwest-premier\/\" =_blank>Southwest Rapid Rewards<sup>\u00ae<\/sup> Premier Credit Card<\/a><\/td><td class=\"column-2\">Chase<\/td><td class=\"column-3\"><a href=\"https:\/\/www.chasebenefits.com\/signatureairVW2\" rel=\"noopener noreferrer\" target=\"_blank\">Guide to Benefits<\/a><\/td>\n<\/tr>\n<tr class=\"row-14 even\">\n\t<td class=\"column-1\"><a data-ccid=\"4048107\" href=\"https:\/\/awardwallet.com\/credit-cards\/southwest-rapid-rewards\/premier-business\/\">Southwest<sup>\u00ae<\/sup> Rapid Rewards<sup>\u00ae<\/sup> Premier Business Credit Card<\/a><\/td><td class=\"column-2\">Chase<\/td><td class=\"column-3\"><a href=\"https:\/\/www.chasebenefits.com\/businesscardVN3\" rel=\"noopener noreferrer\" target=\"_blank\">Guide to Benefits<\/a><\/td>\n<\/tr>\n<tr class=\"row-15 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"4048117\" href=\"https:\/\/awardwallet.com\/credit-cards\/united-mileageplus\/united-explorer-card\/\">United\u2120 Explorer Card<\/a> & <a data-ccid=\"4048245\" href=\"https:\/\/awardwallet.com\/credit-cards\/united-mileageplus\/united-quest-card\/\">United Quest\u2120 Card<\/a><\/td><td class=\"column-2\">Chase<\/td><td class=\"column-3\"><a href=\"https:\/\/static.chasecdn.com\/content\/services\/structured-document\/document.en.pdf\/card\/benefits-center\/product-benefits-guide-pdf\/BGC10938_United_Explorer-Quest_Visa_Platv2-Sig.pdf\" rel=\"noopener noreferrer\" target=\"_blank\">Guide to Benefits<\/a><\/td>\n<\/tr>\n<tr class=\"row-16 even\">\n\t<td class=\"column-1\"><strong>The Ritz-Carlton\u2122 Credit Card<\/strong><\/td><td class=\"column-2\">Chase<\/td><td class=\"column-3\"><a href=\"https:\/\/www.dropbox.com\/s\/9u6jmrdlwz8awu2\/Benefits%20Guide%20The%20Ritz-Carlton%20Rewards%C2%AE%20Credit%20Card%20-%20August%201%202016.pdf?e=1&dl=0\" rel=\"noopener noreferrer\" target=\"_blank\">Guide to Benefits<\/a><\/td>\n<\/tr>\n<tr class=\"row-17 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"4048116\" href=\"https:\/\/awardwallet.com\/credit-cards\/world-of-hyatt\/chase-hyatt-card\/\">The World of Hyatt Credit Card<\/a><\/td><td class=\"column-2\">Chase<\/td><td class=\"column-3\"><a href=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/06\/World-of-Hyatt-Consumer-Card.pdf\" rel=\"noopener\">Guide to Benefits<\/a><\/td>\n<\/tr>\n<tr class=\"row-18 even\">\n\t<td class=\"column-1\"><a data-ccid=\"3004054\" href=\"https:\/\/awardwallet.com\/credit-cards\/american-aadvantage\/citi-aadvantage-executive\/\">Citi<sup>\u00ae<\/sup> \/ AAdvantage<sup>\u00ae<\/sup> Executive World Elite Mastercard<sup>\u00ae<\/sup><\/a><\/td><td class=\"column-2\">Citi<\/td><td class=\"column-3\"><a href=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/03\/Citi-AAdvantage-Executive-Guide-To-Benefits.pdf\" rel=\"noopener noreferrer\" target=\"_blank\">Guide to Benefits<\/a><\/td>\n<\/tr>\n<tr class=\"row-19 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"10\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-prestige\/\" =_blank>Citi Prestige<sup>\u00ae<\/sup> Card<\/a><\/td><td class=\"column-2\">Citi<\/td><td class=\"column-3\"><a href=\"\/\/www.online.citibank.co.in\/credit-card\/pdf\/terms-condition.pdf\" rel=\"noopener noreferrer\" target=\"_blank\">Guide to Benefits<\/a><\/td>\n<\/tr>\n<tr class=\"row-20 even\">\n\t<td class=\"column-1\"><a data-ccid=\"520083\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-premier\/\">Citi Strata Premier<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"520083\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1978593.4328&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-2\">Citi<\/td><td class=\"column-3\"><a href=\"https:\/\/online.citi.com\/US\/ag\/cards\/displayterms?app=UNSOL&HKOP=ad561bce96f91f539367c3ebc5b3a53805d95c5a480b0151b40b76df0ec13bb2\" rel=\"noopener noreferrer\" target=\"_blank\">Guide to Benefits<\/a><\/td>\n<\/tr>\n<tr class=\"row-21 odd\">\n\t<td class=\"column-1\">Wells Fargo Cash Wise Visa<sup>\u00ae<\/sup> card (closed to new applicants)<\/td><td class=\"column-2\">Wells Fargo<\/td><td class=\"column-3\"><a href=\"https:\/\/www.wellsfargo.com\/credit-cards\/archived-product-benefits\/visa-wise-signature\/\" rel=\"noopener\" target=\"_blank\">Guide to Benefits<\/a><\/td>\n<\/tr>\n<tr class=\"row-22 even\">\n\t<td class=\"column-1\"><strong>Wells Fargo Visa Signature<sup>\u00ae<\/sup> Card (closed to new applicants)<\/strong><\/td><td class=\"column-2\">Wells Fargo<\/td><td class=\"column-3\"><a href=\"https:\/\/www.wellsfargo.com\/credit-cards\/visa-signature\/guide-to-benefits\/\" rel=\"noopener noreferrer\" target=\"_blank\">Guide to Benefits<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/p>\n<p>Sometimes, cards that seem similar offer very different benefits. Just because two cards are branded as a Visa Signature or <a target=\"_blank\" href=\"\/credit-cards\/visa-infinite-benefits\/\" rel=\"noopener\">Visa Infinite<\/a> product doesn\u2019t mean they will provide the same benefits or coverage. Thus, it\u2019s essential to review the guide to benefits for your specific credit card to check the conditions and coverage of each benefit.<\/p>\n<p><strong>Related:\u00a0<a target=\"_blank\" href=\"\/credit-cards\/best-credit-card-offers\/\" rel=\"noopener\">Best Rewards Credit Card Offers this Month<\/a><\/strong><\/p>\n<h2><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p>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.<\/p>\n<div id=\"ftoc\"><div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#What_Is_a_Credit_Card_Benefits_Guide\">What Is a Credit Card Benefits Guide?<\/a><\/li><li><a href=\"#Guide_to_Benefits_Master_List\">Guide to Benefits Master List<\/a><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Understanding the guide to benefits for the credit card in your wallet can potentially save you thousands of dollars. Whether you&#8217;ve misplaced one for a card you have or are interested in checking out what&#8217;s on offer with a card you&#8217;re thinking of applying for, this master list of credit card benefits guides has you covered.<\/p>\n","protected":false},"author":85,"featured_media":167025,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12520],"coauthors":[36458],"class_list":["post-18924","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-benefits"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/18924","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/85"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=18924"}],"version-history":[{"count":25,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/18924\/revisions"}],"predecessor-version":[{"id":256457,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/18924\/revisions\/256457"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/167025"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=18924"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=18924"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=18924"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=18924"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}