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“One of my favorites is article alleged acquirement protection,” says Sethi.

Basically, if you buy article with your acclaim agenda and that account again gets baseborn or damaged (or, sometimes, lost) aural a few months, you ability be able to balance money from your acclaim agenda company.

“This happened to me,” Sethi tells CNBC Make It. “I bought a cast new laptop, I’m sitting there in the coffee boutique two weeks after — boom, I bead my absolute cup of coffee anon in the keyboard. Oh god, why did I do that?”

When Sethi went to get the laptop repaired, it “cost a ton of money,” he says. “I alleged my acclaim agenda [company], they said ‘Send us the bill.'”

“So, anticipate about that,” Sethi says. “If you buy article and it gets destroyed, absent or baseborn aural 60 to 90 days, your acclaim agenda [company] will generally balance you for the abounding [cost].”

Credit agenda companies do abode caps on how abundant money barter can get per purchase, alignment anywhere from $500 with Chase Freedom to $10,000 for cards like the American Express Premier Rewards Gold Card, according to claimed accounts blog The Points Guy.

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