Credit Card Perks Comparison Guide
Key Perk Categories:
- Rewards and points
- Travel benefits
- Insurance coverage
- Lifestyle perks
- Shopping benefits
Rewards Programs Comparison
| Card Type | Points Rate | Value per $100 | Best For |
|---|---|---|---|
| Airpoints | $120 = 1 APD | $0.83 | Air NZ flights |
| Cash Back | 1-2% | $1-2 | Direct savings |
| Rewards Points | 1-3 points/$ | $0.50-1.50 | Flexible rewards |
Travel Benefits Comparison
Premium Cards
- Airport lounge access
- Comprehensive insurance
- Concierge service
- Hotel upgrades
Standard Cards
- Basic travel insurance
- Rental car coverage
- Travel discounts
- Foreign transaction fees
Insurance Coverage Comparison
| Coverage Type | Standard | Gold | Platinum |
|---|---|---|---|
| Travel Medical | ✗ | $1M | $2.5M |
| Purchase Protection | 90 days | 120 days | 180 days |
| Extended Warranty | ✗ | 1 year | 2 years |
Lifestyle Perks Comparison
Entertainment Benefits
Standard
- Movie discounts
- Basic dining offers
Gold
- Presale tickets
- Premium dining
- Event access
Platinum
- VIP experiences
- Exclusive events
- Concierge service
Shopping Benefits Comparison
By Card Level
Standard Cards
- Basic purchase protection
- Limited price protection
- Standard merchant offers
Gold Cards
- Enhanced purchase protection
- Extended warranty
- Premium merchant offers
- Return protection
Platinum Cards
- Premium purchase protection
- Extended warranty plus
- VIP shopping events
- Exclusive retail offers
- Personal shopping service
Annual Fee vs Perks Value
Standard Cards ($0-30)
Basic perks worth $50-100 annually
- Basic purchase protection
- Simple rewards program
- Standard benefits
Gold Cards ($120-150)
Perks worth $300-500 annually
- Travel insurance
- Enhanced rewards
- Shopping protection
Platinum Cards ($250+)
Perks worth $1000+ annually
- Premium insurance
- Airport lounge access
- Concierge service
- VIP benefits
Maximizing Card Perks
Strategy Tips
- Choose cards matching spending habits
- Stack complementary benefits
- Track perk usage and value
- Time applications with best offers
- Understand activation requirements