Credit cards better than debit cards – sometimes
Credit cards have important advantages over debit cards – if you use credit cards wisely. Here are seven advantages:
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When a covered trip is delayed more than 12 hours due to a covered event, expenses incurred as a result of the delay, such as meals and lodging, are reimbursed. (Example: Chase Sapphire)
If your checked bags are delayed for a period of 18 hours or more by a common carrier, you will be reimbursed for the emergency purchase of covered essential items. (Example: Chase Sapphire)
Referral service for convenient towing and locksmith services in the US and Canada are available 24/7. All costs are your responsibility.
Emergency Ticket Replacement
Helps you with the carrier's lost ticket reimbursement procedures if you should lose your ticket and can arrange delivery of a replacement ticket to you. All costs are your responsibility. (Example: Visa Signature)
Common Carrier Travel Insurance Coverage
Some cards, like the Citi/AAdvantage and Discover cards, offer up to $500,000 in flight accident insurance.
Hotel/Motel Burglary Insurance
Reimburses you for personal property stolen from your hotel or motel room. Your hotel/motel stay must be purchased entirely with an eligible card. (MasterCard)