AC+ Accidental is two years
Not all CCs offer this. AC+ extends this coverage for an extra year.
So is your Amex card. Don't pay your balance and full each month, and that interest rate will be "pure profit" for them.
Because $150 is cheaper, and you get another replacement for $50 more instead of another $229.
AC+ provides more coverage than your "free" AMEX protection plan. And it's not really free, your paying for it via annual fees, interest rates, minimal balance requirements.
No Thank you. I like to pay for my items via Check Card or Cash.
I don't see why you can't get a card with these extra perks, and pay it off in full. It doesn't seem like paying it off would be an issue, so why not enjoy the extra warranty you'd get for using a CC?
By the way, The Amex Blue card has no annual fee, and this is a credit card-- there are no balance requirements because this is all credit. It's extremely risky to use your check card these days. I used my check card to purchase some cables online, and the website I used was hacked. I noticed a $500 charge in my account and immediately called the bank. Had I used a credit card, I wouldn't be down 500 dollars and instead $500 down in credit while I file a chargeback/fraud. Luckily I was able to get a hold of the company before they shipped the product to the hacker and get my money back.
Credit cards have their benefits. If you have the balance to pay them off in full, why not take advantage of their perks?