Hidden credit card benefits you might be missing

Consumer Reports points out a quietly expensive blind spot: most credit cards bundle in benefits — extended warranties, purchase protection against theft or damage, even cell-phone coverage — that the majority of cardholders never use. One analysis it cites found that 85 of 100 popular cards include at least one valuable perk, with extended warranty coverage the most common. The catch is that these benefits are invisible until you go looking, and worthless if you don’t file in time.

This is exactly the kind of coverage OwnWise is built to surface. When something you bought breaks, the question isn’t just “is it under the manufacturer’s warranty?” — it’s also “did I buy it on a card that doubles that warranty or protects it from damage?” OwnWise tracks what you own and the coverage attached to it, tells you what likely failed and what a repair should cost, and helps you assemble the receipt, statement, and claim the card administrator will ask for.

CR tells you the perks are there; OwnWise makes sure you actually collect on them.