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The plastic in your wallet may include some perks you don't know about that could save you hundreds of dollars a year or give you exclusive deals!

If you're dying to attend the upcoming Dave Matthews Band or One Direction concert or plenty of others your Citi Diamond Preferred card can get you there!

Cardholders get early access to presale tickets and preferred seating as well. The card has no annual fee.

Planning a trip? If you book your travel using your Chase Saphire Cardyou'll get trip cancellation insurance if you or a family member gets sick and you can't go. They'll refund you up to $1500. The coverage is not as extensive as travel insurance that you purchase, but it is free.

And what if you buy a new dress or other item that doesn't work out only to find you missed the retailer's 30 day return policy? American Expresswill get you a refund of up to $300 if the item is unworn and you have a receipt.

All these have some fine print but they do work in many cases. Whichever cards you have you might want to review the perks you may be missing out on.

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