Despite the credit card rewards many companies offer, it’s important to consider the various other perks that they have to offer. Most of the time, card issuers offer a variety of perks, such as exclusive shopping discounts and free cell phone service.

According to the experts at SoFi, “Rewards credit cards pay cardholders back based on a small percentage of what they spend. The credits earned for making purchases come in the form of cashback, points or airline miles.”

Top Lesser-Known Credit Card Perks to Take Advantage Of

1. Cell Phone Protection

Some credit card issuers provide cell phone protection when you pay for your monthly phone bill with your credit card. This perk can help you avoid having to replace or repair your device using your funds. An eligible consumer card such as the U.S. Bank Visa Platinum Card offers this perk to consumers who qualify.

2. Shopping Discounts

Participating credit card companies offer exclusive shopping discounts at certain retailers when you shop through their websites or activate a bonus offer before making a purchase. Some of these include Bank of America, Chase and American Express. These deals typically give you either a set dollar amount or a percentage of your purchases back.

3. Free Shipping

Some credit card companies provide free two-day shipping and returns on purchases made at over a hundred online retailers, such as 1800 Flowers and Bloomingdale’s. To take advantage of this program, you must sign up for ShopRunner and use your eligible credit card at the participating retailers. Once you make a purchase, you will get your discount or rebate.

4. Exclusive Access to Events

A lot of credit cards provide exclusive access to various events, such as concerts and sporting games. You can usually get priority seating and free tickets depending on the card that you have. Mastercard and Capital One provide various perks, such as early access to tickets to Off-Broadway shows and premium OpenTable reservations. Take advantage of these by signing up for their respective credit cards.

5. Late Payment Fees Waived

Many credit card issuers allow you to avoid late payment fees by waiving them on your first late payment. Some of these include the Chase Freedom Card and the Citi Simplicity Card.

6. Instant Credit Card Number

You can now get an instant credit card number when you apply for a new credit card. This convenience allows you to make purchases online without having to wait for your physical card to arrive. Some credit card companies, such as American Express, also provide an expiration date and a temporary CVV code after approval.

7. Free Admission to Museums

Bank of America’s “Museums on Us” program allows credit card holders to get free admission to various museums every month. To take advantage of this benefit, you must present your photo ID and your Bank of America credit card. This free admission is only available for general admission and excludes special events and exhibitions.

Before you apply for a new credit card, be sure to check out what rewards they offer. Their latest perks may be just what you’re looking for.