<prompt> Human: These are the often overlooked credit card benefits and well worth taking advantage of them. Each bank has different time frames and premium reward cards tend to have more benefits than others.Edit: Please use your credit cards responsibly. Always pay your card off in full each month, never carry a balance, and keep your credit limit utilization under 30. All the benefits in the world wont be worth the high APR that comes with not paying off your card properly.  <response>: Some good discussion of this here 