For many, credit cards are primarily used to pay or draw cash. In fact, these small objects can provide particularly interesting advantages. Standard cards are the most common because they are more affordable. However, these offer certain advantages that many customers ignore.
First of all, it is good to know that Visa and Mastercard generally offer the same services and are geographically equally present in the world.
So, whether you have one or the other, the contracts often offer travel insurance services, which can however vary depending on the bank.
Similarly, insurance against loss and theft or cancellation of fraudulent online transactions is, most of the time, guaranteed by the credit card.
However, there are other types of cards that provide much more extensive benefits.
The Visa Premier card and the Gold Mastercard generally offer the same advantages as each other. Thus, it is possible to benefit from more extensive travel insurance than with a classic card.
For example, these cards offer trip modification or cancellation insurance that provides reimbursement if a trip is canceled, even at the last minute, within a pre-set ceiling. Similarly, civil liability or damage to a rental car can also be covered by this insurance.
But in addition to insurance, high-end cards can also provide discounts from partner companies.
In addition to the insurance included in the contracts of the high-end cards, the Visa Premier as well as the Gold Mastercard make it possible to obtain particularly interesting offers with partner companies.
These reductions can thus be valid in various fields. For example, Visa offers discounts on travel bookings with partners or cheaper cinema tickets, discounts on clothing or even on gyms.
Very high-end cards also exist and can thus provide even greater advantages.
The Mastercard World Elite or Visa Ultim cards are intended for a very elitist target. Thus, it is generally necessary to justify an amount of at least 4000 euros to be eligible. While very few people can afford them, they provide many benefits.
In addition to insurance, people who have such a bank card benefit from a concierge service available 24 hours a day, 7 days a week. They can contact it whatever their need, whether book a plane ticket or even a restaurant, the concierge will take care of research, negotiate prices and make reservations for the client.
In addition, holders of a Visa Ultim card are automatically part of the Infinite Club which allows them to be invited to exclusive events but also to benefit from preferential rates and private sales at major brands.
