Some credit cards come with perks, help save money

We all want to make the most of our money, but did you ever think about the perks that come with credit cards?

That little piece of plastic may entitle users to benefits they wouldn't think of, and those benefits can help save hundreds of dollars.

The first perk is that there are guaranteed returns. If a retailer refuses to give your money back, some cards will fully refund the purchase and may even extend the return period.

The second perk is that some cards come with cellphone replacement insurance. If someone uses their card to buy a cellphone, it comes with at least a 90-day warranty.

The third perk is that most cards offer some type of rental car insurance coverage. However, there can be exclusions on certain types of vehicles, so make sure to read the fine print.