One thing I recently found is that just because you may have a gold card, that doesn't necessarily mean that you have insurance coverage. I was told that Visa has dropped their 90 day insurance for items purchased, but Gold Mastercard still carries it. There are also some cards whose coverage on auto's are before your insurance carrier kicks in and some are after. From what I've heard, the American Express Platinum is the best, but to pay $300.00/year seems a little (lot) excessive.kelvin
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