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Here now gio benitez. reporter: high interest rates, late fees and hidden costs can make credit cards seem overwhelming. we uncovered some little-known advantages. hidden rewards. perks that many can put to use with the help of jason oxman. first guaranteed returns. the merchant says i m not giving you your money back you have back up available to you. that backup, the power of the credit card company. some cards will fully refund your purchase if the store refuses. in most cases extending the return period 90 days. little pieces of glass sticking out. reporter: he dropped his iphone but was smart taking advantage of the second perk on the list, cell phone replacement insurance. i had to go get a notarized letter that said i didn t have any other form of insurance and they refunded my money. they cut me a check for $200. reporter: americans spend $1.6 billion every year on extended warranties. with your credit card, guess ....