By Michael Tedder Better hope your stuff doesn’t break anytime soon. Credit card companies might not be all the same, but they have to work hard to differentiate themselves to customers. Consumers might not understand the finer points of what separates Visa from American Express, but they do have an understanding of which card gives them more perks. Credit card companies team up with other companies to offer new perks all the time. Hotels and airlines are the standards that most people probably think of, but in an effort to reach new customers and keep existing ones happy, cards are always loo…