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I have a MasterCard that gives all those "exclusive" benefits except for travel insurance. Rental car insurance, warranty/return extension, and some other stuff. Plus I don't have to pay it all back every month, and there's no annual fee.
It's easy to get your money back with any credit card. Too easy, in fact. I've worked for various ISPs, and there are a LOT of assholes who'd buy the service, use it for a few months, claim they never used it, and do a chargeback for everything they paid. We'd rebut by showing usage logs proving they used the service, and get our money back from about half the time. Credit card companies are VERY slanted in favor of the consumer because they're the ones paying so much interest.
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