4 unique credit card features: Rare perks and surprising restrictions

There is an immense variety of credit cards, but once you zoom in on a specific category, things start to look similar. For example, the top 2% cash-back credit cards vary only slightly in their offerings, whether it's an insurance benefit or redemption option. The benefit of this is that if you understand one card in a category, it's not too difficult to decipher the value provided by the rest. However, every once in a while, there's a card that stands out with a uniquely valuable perk or confusing restriction. If you're looking to extract value from a niche benefit or avoid an unusual limitation, pay attention to these credit cards . Unique credit card benefits and restrictions Unique savings perk: Sales tax refunds When Benjamin Franklin wrote about the certainty of death and taxes, he couldn't have predicted the benefits available with The B&H Payboo ® Credit Card . This store card offers your choice of: Special financing for six or 12 months or Effectively no sales tax on B&H purchases If you select the sales tax perk, you'll pay for the purchase (including tax) with your B&H Payboo card, then instantly receive a credit. Although you can only use the B&H Payboo Credit Card at B&H, the no-sales-tax perk makes the card worth it in the right situation. Depending on where you live, state and local sales tax can top 8%. Very few rewards credit cards earn uncapped 8% back, even in a niche category, much less for expensive items such as video and audio equipment. …