Credit Cards With the Best Consumer Protection PerksCredit cards provide more than convenience and rewards points, they also give you a safer way to pay. In addition to the standard security features inherent to credit cards (e.g., $0 fraud liability), some cards go above and beyond to make sure their cardholders get the best customer experience possible with consumer protection perks. These perks pick up any slack that the merchants leave, covering your purchase returns, guaranteeing your travel and safeguarding your personal information so you can spend your money without any worries. Below, we’ve highlighted three cards with killer consumer protection perks that let you shop with confidence.

Best travel protection: Bank of America Premium Rewards Credit Card

Best Consumer Protection PerksThe Bank of America Premium Rewards Credit Card has an absolutely incredible assortment of consumer protection perks, particularly for travelers! When you book your travel with this card, Bank of America covers you for all kinds of emergency events, from trip delay reimbursement to lost luggage reimbursement to travel accident insurance. All of that comes in addition to some excellent purchase benefits, like 90-day purchase protection, which can reimburse you up to $10,000 if an item you purchased gets damaged or stolen. You also get 90-day return protection, which reimburses you up to $250 if you’re dissatisfied with a purchase and the merchant won’t accept your return, and a warranty manager service that doubles the original term of manufacturer warranties up to an additional year, as well as lets you register your receipts and warranty information to a database so you can access them any time you need to. All of these perks come at the cost of a $95 annual fee, but the Bank of America Premium Rewards Credit Card more than makes up for that with its travel rewards. This card earns an unlimited 2 points for every $1 spent on travel and 1.5 points per $1 spent on all other purchases, as well as a 50,000-point intro bonus (worth $500 in statement credit) after you spend $3,000 on purchases within the first 90 days of card ownership. Bank of America customers can get even more out of this card, with Gold, Platinum and Platinum Honors customers receiving a bonus from 25% to 75% on points earned through purchases. No matter how much you spend, you also get an annual $100 airline incidental statement credit, and a $100 airport security statement credit toward application fees for TSA PreCheck or Global Entry every four years. The Bank of America Premium Rewards Credit Card requires good to excellent credit (usually considered a credit score of 700 or higher) to qualify.

Best purchase protection: Blue Cash Preferred Card from American Express

Best Consumer Protection PerksIn terms of consumer protection perks, the Blue Cash Preferred Card from American Express (a NextAdvisor advertiser) is hard to beat. That’s because items you buy with this card are covered from accidental damage or theft with 90 days of purchase protection, and their warranties are extended up to one year. You also get return protection for 90 days, which refunds the price of an item up to $300 if a merchant doesn’t accept a return. Travel perks include rental car loss and damage insurance, travel accident insurance, and American Express’ roadside assistance service. In terms of rewards, the Blue Cash Preferred Card from American Express is more focused on everyday necessities than general shopping. It earns an incredibly high 6% cash back at U.S. supermarkets ($6,000 annual limit on purchases, then 1% cash back), 3% cash back at U.S. gas stations and select U.S department stores and 1% cash back on all other purchases. Additionally, you’ll earn a $200 cash back intro bonus after spending $1,000 on purchases in the first 3 months of card ownership, and you’ll enjoy a 12-month 0% APR on purchases and balance transfers (with a balance transfer fee of $5 or 3%, whichever is greater). The one downside to this card is that all of these benefits come at the cost of a $95 annual fee. If you like this card’s features but don’t want to pay an annual fee, you may want to consider the Blue Cash Everyday Card from American Express, which offers the same consumer protection perks, comparable rewards and zero annual fee. Both Blue Cash cards require good to excellent credit (usually considered a credit score of 700 or higher) to qualify.

Best identity and card protection: Discover it Cash Back

Best Consumer Protection PerksDiscover it Cash Back is a little different from the other cards on this list, both in terms of its consumer protection perks and its rewards. While the other cards focus on protecting your purchases and travel plans, the Discover it Cash Back focuses on protecting your identity and your APR, and it does so with no annual fee. This card comes with free identity protection alerts, which notify you when Discover finds your personal information on a dangerous website or it detects a new financial account opened in your name, and a complimentary TransUnion FICO score on your monthly statement so you can keep up with how your credit’s doing. If you lose your card, you can use Discover Freeze it from a computer or mobile device to deactivate it, and if you find it again you can just as easily reactivate it (if you like this feature but prefer Citi cards, Citibank has a similar feature called Citi Quick Lock). As a nice extra, if you occasionally forget to pay your bill on time, the Discover it Cash Back features late fee forgiveness for the first late payment, and late payments won’t increase your APR. For rewards, this card features a sizable 5% cash back rate on rotating categories each quarter you activate (up to a quarterly max, currently $1500, then 1% cash back), which include things like grocery stores, restaurants, Amazon.com and gas stations, and 1% cash back on all other purchases. At the end of your first year, Discover will also match all of the cash back you’ve earned, giving you control over the size of your intro bonus. Know that getting that 5% rate requires activating your cash back every quarter, but you can set Discover to remind you when it’s time to do this. You’ll also get a 14-month 0% intro APR on purchases and transfers (with a balance transfer fee of 3%) — after that, a standard go-to rate applies. Discover it Cash Back requires average to excellent credit (usually considered a score of 670 or higher) to qualify.

When you’re looking for a credit card, don’t neglect the consumer protection perks. They can turn a piece of plastic into a shopping companion that gets your back when you’re not satisfied. To find the right credit cards for any and every occasion, visit our reviews of the best credit cards. Also, keep up with our credit cards blog to learn more tips for managing your credit accounts.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.