One benefit I used to overlook was purchase protection. I always assumed it was just marketing fluff, but after having to file a claim for a damaged item that a retailer wouldn't replace, I realized how useful it actually is. My credit card company stepped in and reimbursed me without much hassle. Since then, I've paid more attention to the fine print on card perks, things like extended warranties, travel insurance, or even return protection. A lot of those features can save you money or headaches when things don't go as planned. It's definitely changed the way I choose and use my cards.