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The abounding amount of a acclaim agenda in your abridged can go far above the accepted banknote aback and accolade points. Rental-car insurance, chargeless acclaim scores, and added freebies are there for the taking—as continued as you apperceive area to look.

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Not anybody does, however. Jim Miller, J.D. Power’s chief administrator of banking, estimates that one-third of acclaim agenda users don’t apperceive the allowances that appear with their cards.

To accomplish abiding you’re not overlooking account conceivably account hundreds in all, apprehend the disclosures on your issuer’s website to see what you’re due. Although you ability not appetite to about-face cards aloof for the perks, if you are in the bazaar for a new agenda with bigger terms, why not aces one that gives you a little more? Here are some standouts.

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THE PERK: Chargeless acclaim information. The accepted amount to see your FICO acclaim account is $20 for a blink that’s arranged with a acclaim address from one of the three above acclaim bureaus. But issuers such as Citibank and Barclaycard will canyon forth your FICO account from one of the big three for free. “The giveaways are great,” says John Ulzheimer of CreditSesame.com.

MONEY PICK: Discover it. Like added Discover cards, this one—which MONEY called the best online-shopping agenda aftermost year for its discounts—reports your FICO account from TransUnion. The card’s new Freeze It affection additionally lets you briefly block ancient charges. So if your agenda is missing and you’re appealing abiding it hasn’t been stolen, your Netflix autopay will go through, but no one will be able to use your artificial at Best Buy.

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THE PERK: Amount protection. Say you buy article alone to see its amount bead aural a few weeks. Some acclaim cards will acknowledgment the difference. Electronics are best acceptable to qualify, says Ben Woolsey of CreditCardForum.com. Cars, accident tickets, and adornment usually aren’t covered.

MONEY PICK: Citi DoubleCash. A MONEY aces for best flat-rate rewards card, DoubleCash, like added Citi cards, appearance Amount Rewind, a affairs that refunds up to $300 per acquirement and $1,200 per year. Citi, clashing added issuers, doesn’t accomplish you acquisition the falling prices. Instead, Citi does the amount checks for purchases you register. The boilerplate acquittance is now $35.

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THE PERK: Chargeless fast shipping. American Express cardholders get chargeless use of Shop Runner, a $79-a-year account alms two-day aircraft from over 100 online retailers. Stores accommodate Lord & Taylor, Toys “R” Us, AutoZone, and drugstore.com (but not Amazon.com).

MONEY PICK: American Express Blue Banknote Preferred MONEY’s top agenda for banknote aback on capital purchases allotment 6% of your anniversary grocery spending, up to $6,000, and 3% at the pump. A $150 sign-up benefit for spending $1,000 aural three months makes up for the $75 anniversary fee.

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THE PERK: Primary rental-car insurance. While your agenda may action allowance on rental cars, affairs are it’s accessory to your own insurance: If your rental is totaled, your action takes the hit. Some cards, though, don’t accomplish you go through your approved insurer first, appropriately attention your rates, says NerdWallet.com’s Kevin Yuann.

MONEY PICK: Chase Sapphire Preferred Pay for your rental with this agenda (MONEY’s best agenda for breadth hounds) and abatement the rental company’s blow (or loss) accident waiver. You’ll be acceptable for agreement up to the absolute banknote amount of the car in case of a blow or theft. A caveat: Some alien cars aren’t covered.

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THE PERK: Less-stress travel. From planning your cruise to befitting clue of your flights, biking is a compound for aerial claret pressure. Cards that adorn your cruise and assure you from some of flying’s hassles (see blueprint below) can be the cure.

MONEY PICK: Barclaycard Arrival Plus World Elite Master-Card This agenda gives you chargeless use of the biking alignment app TripIt Pro ($49 annually), which automatically creates your itinerary, sends real-time flight alerts, and can locate alternating flights. You additionally get admission to a no-fee claimed biking artist and discounts on hotels and events. The downside: an $89 anniversary fee, waived the aboriginal year.

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