When I began collecting credit cards, I focused exclusively on the “points and miles” hobby. My goal was to accumulate measurable currencies that could be redeemed for free travel, and I paid no attention to other benefits that may have come with the cards. I didn’t know much about them, and I didn’t think I would keep the cards long enough to take advantage of them. These “soft” benefits of travel credit cards, however, were like the sides on my steak plate. I couldn’t ignore them forever. And, when I finally paid attention, some of them turned out to be a wonderful surprise.