A lot of people on this forum may already be aware of this but I am new to credit cards so I thought I'd share.
I recently got a Visa card that came with a brochure titled "Guide to Benefits". From what I have read so far, if I buy something with my Visa card and it is damaged or stolen within 90 days, Visa will reimburse me for the item beyond what my insurance covers or reimburse my deductible. It even provides protection from auto rental damage in foreign countries, extended warranties, and lost luggage reimbursement!
I am really surprised that credit cards offer this since it doesn't seem to me like they are actually responsible for lost luggage or anything like that. There are, of course, a lot of restrictions on how this can be used, but this could potentially save people lots of money!