Best Credit Cards for Price Protection [2019]

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Ever had the experience of buying something, only to see it advertised at another store or online for a better price? If you made the purchase with a card that offers price protection, there is every chance you can recoup the difference in price. While cards offering price protection are not as common as they once were, there are still plenty of options available, including a few that don’t charge an annual fee.

Unfortunately, many card issuers including Barclays, Discover, Chase, and Citi have devalued or removed price protection policies over the last couple of years.

  • Discover scrapped price protection benefits on all cards on October 31, 2018.
  • Chase removed price protection from the majority of its Visa cards at the end of 2018, with the Sapphire Reserve Guide to Benefits stating the benefit was dropped as of August 26, 2018. There are now just a handful of United co-brand cards counting price protection as a benefit.
  • Mastercard removed price protection mid-way through 2019, although some issuers still retain price protection on select cards.
  • Citi culled its Price Rewind benefit on all cards from September 22, 2019.
  • Barclays removed price protection on all cards on November 1, 2019.

Ancillary benefits such as price protection don't sound quite as sexy as free flights or five-star hotels, but there's every possibility you’ll receive more dollar value from card benefits than credit card rewards over the life of your card.

Provided you know what items your card covers, and you can navigate the claims process, price protection can potentially save you thousands of dollars per year.

What Is Price Protection and How Does It Work?

At its core, price protection is price matching for items you purchase using your credit card. If you find a lower advertised price for exactly the same item within the specified timeframe, the card issuer will refund the difference.

The policies are effectively the same as low-price guarantees offered by retailers, covering items purchased in the U.S. using an eligible credit card. The claim windows range from within 30 days of purchase on the low end, up to 90 days from the date of purchase at the high end. There are plenty of restrictions on what you can claim, and limitations on the dollar value and number of claims you can make each year, which we dig into in more detail below.

United℠ Explorer Business Card
United℠ Explorer Business Card
Annual Fee$95
Welcome Bonus For small business owners: Earn up to 100,000 bonus miles after qualifying purchases. Earn 50,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, 50,000 bonus miles after you spend $25,000 total on purchases in the first 6 months your account is open.
  • Earn up to 100,000 miles after qualifying purchases.
  • Earn 50,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open
  • Plus, 50,000 bonus miles after you spend $25,000 total on purchases in the first 6 months your account is open
  • Earn 2 miles per $1 at restaurants, gas stations and office supply stores.
  • Earn 2 miles per $1 spent on United purchases. And 1 mile per $1 spent on all other purchases.
  • Free checked bag - save up to $120 per roundtrip (terms apply)
  • Two one-time United Club℠ passes each year - Over $100 in value per year
  • Employee cards at no additional cost - miles earned from their purchases accrue in your account. Plus, you can set individual spending limits for each card.
  • 2X miles per $1 on United purchases
  • 2X miles per $1 at restaurants, gas stations and office supply stores
  • 1X mile per $1 on all other purchases

Credit Cards Offering Price Protection Policies

We’ve only included credit providers and specific cards that we could find written price protection policies for, either in guides to benefits or covered on the issuer’s website, and included updates when new policies are announced. If we’ve missed a card and you can provide links to a price protection policy, please get in touch via the comments so we can get it added to the list.

Credit ProviderCards Offering Price ProtectionMax Claim ValueClaim WindowExample of Policy
BarclaysBarclays removed price protection from all cards on November 1, 2019.N/AN/AN/A
Capital OneCapital One provides price protection on four Visa Business Signature cards:
Capital One® Spark® Cash for Business
Capital One® Spark® Cash Select for Business
Capital One® Spark® Miles for Business
Capital One® Spark® Miles Select for Business
Up to $500 per item and $2,500 per year60 daysSpark Cash Guide to Benefits
ChaseChase now only offers price protection on five United co-brand cards:
United℠ TravelBank Card
United℠ Explorer Business Card
United MileagePlus® Club Card
United MileagePlus® Club Business Card
United MileagePlus® Presidential Plus℠‎ Card
Up to $500 per item and $2,500 per year90 days"If a MileagePlus Presidential Plus Card purchase you made in the U.S. is advertised for less in print or online within 90 days, you can be reimbursed for the difference up to $500 per item and up to $2,500 per year."
CitiCiti no longer offers price protection (Price Rewind) on any credit card.N/AN/AN/A
Wells FargoWells Fargo Visa Signature® CardUp to $250.00 per item and $1,000.00 per year60 daysWells Fargo Visa Signature Price Protection
U.S. BankU.S. Bank Cash 365™ American Express® CardUp to $250 per item and $1,000 a year per account30 daysU.S. Bank Amex Price Protection

You’ll notice some pretty big players in the credit card space are missing off this list, including Discover, American Express, Citi, and Bank of America. That's because they don’t offer price protection on any of their card products.

What Purchases Are Excluded from Price Protection?

The list of exclusions differs for each provider but is fairly consistent across different cards from the same issuer. Common exclusions include:

  • Boats, cars, or any motorized vehicle (motorbike, truck, tractor, etc)
  • Cell phones purchased on contract or as part of a service
  • Secondhand or refurbished items
  • Any item purchased to resell for profit or for commercial use
  • Items purchased outside the U.S.
  • Collectables, jewelry, rare, custom, or tailored items
  • All fees and taxes, rebates, or incentives from the manufacturer
  • Any kind of live animal

This is by no means an exhaustive list, for precise exclusions on each card you’ll need to read the credit card guide to benefits. If you’re unfamiliar with your card benefits, we’ve compiled a handy list of guides to benefits from major credit providers.

Which Card Issuer Provides the Best Policy

With Barclays' ending price protection benefits, Chase wiping the benefit from most Visa & Mastercards cards, Discover removing the benefit from its listed card benefits, and Citi cutting the Price Rewind benefit completely, the best card for Price Protection depends on your needs.

The United co-brand cards like the United℠ Explorer Business Card listed above provide both the equal-highest return and the longest reporting period. Or, you could use one of the more versatile travel cards from Capital One like the Capital One® Spark® Miles for Business, which earns transferable rewards and typically provides a better return on non-bonus spending. Wells Fargo and U.S. Bank also offer viable alternatives in this dwindling area of credit card purchase protection.

Capital One® Spark® Miles for Business
Capital One® Spark® Miles for Business
Annual Fee$0 intro for first year; $95 after that
Welcome Offer Limited Time Offer: Earn up to 200,000 bonus miles worth up to $2,000 to spend on travel—flights, hotels and more. Earn 50,000 bonus miles when you spend $5,000 in the first 3 months and earn 150,000 bonus miles when you spend $50,000 in the first 6 months of your account opening
The Capital One® Spark® Miles for Business is one of just a handful of business rewards cards offering at least a 2% return on business expenses (issued as 2x Miles), plus you'll earn 5X miles on hotel and rental car bookings through Capital One Travel℠. Your rewards never expire as long as your account is open and in good standing.
  • Limited Time Offer: Earn up to 200,000 bonus miles worth up to $2,000 to spend on travel—flights, hotels and more. Earn 50,000 bonus miles when you spend $5,000 in the first 3 months and earn 150,000 bonus miles when you spend $50,000 in the first 6 months of your account opening; worth $2,000 in travel if redeemed for a fixed-value, or potentially much more when transferred to airline partners
  • 2 Miles per $1 on every purchase, everywhere
  • 5 Miles on hotel and rental car bookings through Capital One Travel℠
  • Fee credit for Global Entry or TSA Pre✔® (up to $100)
  • No foreign transaction fees
  • $0 intro for first year; $95 after that
  • 2 Miles per $1 on every purchase, everywhere.
  • 5 Miles on hotel and rental car bookings through Capital One Travel℠

How to File a Price Protection Claim

  • Capital One – Call 1-800-397-9010 to request a claim form and return with the required documents to – Card Benefit Services, P.O. Box 2894, Great Falls, MT 59403
  • Chase – Call the Benefits Administrator on 1-888-880-5844 within 21 days of the advertised lower price and return all required documents within 45 days
  • U.S. Bank – Call 1-855-327-1424 to initiate a request for a refund
  • Wells Fargo – Contact the Benefits Administrator on 1-800-553-7520 within 10 days of finding the lower advertised price

Final Thoughts

If you haven’t used the price protection policy on your credit card(s), you're potentially missing out on hundreds of dollars a year in savings. Provided the items are an exact match, and the claim meets all the issuers' criteria, the process is relatively straightforward, and you can rest easy knowing that if there is a sale on the item you’ve just purchased, you can claim back the difference.

If you’ve had experience making a price protection claim through your credit provider, we’d love to hear from you in the comments below.

Best Credit Cards for Price Protection [2019]
4.7 (93.85%) 13 votes
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Comments

  • Helpful roundup of a great feature of these cards. Thanks!

  • Thank you. While Citibank had been promoting it as a benefit, I didn’t realize that other issuers also offered this benefit. I guess I’ll have to decide whether to use the card with the best rebate upfront, or one that adds this option, just in case, when making larger purchases.

  • This is not a benefit that I monitor but it probably should be. Thank you for reminding me. I will say that my one interaction with Chase and their eclaimsline was quite poor. The hassle was worth it to have several thousand dollars refunded for a cruise, I’m not sure it would be worth the hassle for a small purchase refund.

    • Based on my experience, regarding price protection, it has always been a piece of cake. However much effort you put in through your trip protection was likely much more significant than what I’ve done with price protection. Regardless, glad to hear it worked out for you in the end, and that you had the protection.

  • Bertrand Say says:

    I have had good luck with Citibank price rewind

  • Thanks for the tip. I did not know about this. Another post worthy of bookmarking.

  • Great writeup!

  • I used this for some recent appliance purchases. Got local service and delivery, used an out-of-town provider for price match in Citicard. Very easy. Just have to be careful about model numbers because the big box stores are often given unique model numbers to thwart price comparisons.

  • Price rewind has been very very good to me this year.

  • I use Earny to automate the price protection claim process. They take a 25% cut of the savings, but that’s a fair price for set-it-and-forget-it convenience that just drops found money into your account. https://earny.app.link

  • Thanks for this list. It’s something I’ll have to keep in mind when considering new cards.

  • eclaimsline for Chase has been great since it’s all been online. However, I heard they’re changing their poicies that require requests to be made in writing… did I misread that?

  • Based on everyone’s experience, which one is the easiest claim to file? Citi price rewind seems the most hassle-free.

  • Awesome list, thanks for the summary!

  • where is amex??

  • Wow, I definitely wasn’t aware of what this was! I assume this applies to plane tickets as well, yes? That might be a really good option for that then.

  • Have never used this benefit and quite honestly, I don’t remember to think about it. However, thanks to this great information and the details on how to do so, I plan to keep an eye out to apply it for larger purchases I make. No sense leaving money on the table.

  • I really wish AMEX would offer this service. I have yet to use the benefit on my other cards but its good to know that it’s a possibility.

  • Good to know although I’ve never used this.

  • I’ve done a Citi Price Rewind just one time and it got me $50 back. It was an easy process but of course it takes a few weeks for that money to actually come back to you. I’ve only had the service monitor my large purchases because it seems too time consuming to enter every small item I purchase. In the end, it doesn’t seem worth the time it takes for low-dollar items but it is definitely worth it if you can get a bit of cash back on a large purchase.

  • Citi has been fantastic with this

  • I love my chase sapphire reserve! If only it didn’t come with just a hefty annual fee!

  • Jacqueline parsons says:

    Great list and very informative!

  • I used my Sapphire reserve for the price protection about 6 months ago. It took a little a few phone calls and a few months to receive my check as my status was stuck in review for awhile. It was finally pushed along and I received my $500!!!! Such an incredible benefit that lowered the price of my tv by 20%!!!

  • I didn’t even know this was a perk.

  • This is definitely a useful benefit.

  • I keep forgetting about this! Thank you for the reminder! At this time of the year it’s really important when prices can change quite a bit.
    I’m definitely going to have to look at this! Doesn’t look like it has to be in your home state, right? I could buy it anywhere where it states?
    I guess we should all really read all the benefits we get with our cards. I have several that participate.

  • A great benefit if one can make use of it & hopefully there are folks who do.
    Honestly, I just never even think of checking prices and/or have the time.

  • Thanks! Bookmarking this!

  • Lee Ann Bixler says:

    Thanks for the info. Another good reason to hang onto my chase sapphire reserve card.

  • Thanks for the reminder – I typically forget about these types of purchase benefits! Just did a Discover extended warranty claim only to find they discontinued their program.

  • This was hands down my favorite feature on any of my credit cards. My American Express card lost a lot of business to Citi and Discover over this, and I absolutely refused to open a new credit card that didn’t include this feature. It’s rather a shame that Discover has abandoned this feature (and really, all of its card benefits) in pursuit of stricter cyber security that is really quite unnecessary. They will no longer be my primary card when this goes into effect.

    In short, I saved thousands of dollars with this benefit, which was especially handy when I purchased my first home last year. It’s incredible how things like barstools that cost $300 for a set of 2 could go down to just $50 by the clearance season. I would have been willing to pay an annual fee to keep this service, but that is not an option apparently.

    If you’re looking for the easiest to use program, go with Citi. They track the prices on your behalf if you register each qualifying item and upload the receipt, all of which is done online. No one makes it easier to file and receive a claim.
    No one searches on your behalf either. They are way ahead of the curve here. They also send the money to you in the form of a statement credit if you wish. It’s a shame that they lowered the maximum value on this benefit, but it’s certainly preferable to getting rid of it altogether.

    My experience with Discover was good as well, though the process is a bit clunkier. You have to call them and answer a few questions. I never really understood why you can’t initiate a claim online, especially since they ask you the same questions every time, but the process overall was much smoother with them than Chase. You can upload everything digitally, and your check is usually approved quickly–about a week in my experience. Chase takes much longer. With Discover, the check takes about another 1-2 weeks to arrive, as opposed to several with Chase. It’s not as modern as Citi for sure, but I’ve never complained about getting the sale price on an item I paid more for.

    So if you’re wondering how much weight to place on price protection when considering a new card, my opinion is that you should consider this feature at the top of the list. When I say I’ve saved thousands of dollars, I’m not kidding. No sign on bonus or travel perk has been as good as price protection.

  • Great and informative article. How ever I’ve seen US based credit card providers have this benefit. Is it the same thing outside of US and specifically in Europe?

  • “Discover Price Protection will be discontinued effective 10/31/18. Only items purchased prior to 10/31/18 will be eligible to be covered under these terms.” I don’t know if this applies to all kinds of Discover cards or just Discover Cashback Bonus which I have.

  • 3rd party sites seem to do just as good of a job on price protection

  • Rodger lodge says:

    I’m pretty upset at discover dropping this benefit in a few days, and no one else is offering a decent replacement. Need some kind of a grassroots campaign to get these benefits back

  • good to know…. too bad most card companies don’t make it easy to get the benefit

  • I tried this with Citi and they asked for a copy of my credit card statement. Is that normal? I would expect the credit card company to have access to this information since they are the ones issuing the statement in the first place.

  • Discover seems to be the winner here.

  • I use Citi Price Rewind all the time. Good to know that my Discover and Aviator cards also offer this benefit.

  • Appreciate the roundup, because this is truly one item I don’t do good in taking advantage of routinely.

  • I get the feeling price protection credit cad benefits are gradually getting worse and worse.

  • Discover is my favorite.

  • Thanks for the update!

  • This is one area I haven’t put much time into studying. Thank you for giving me a taste so I may continue to learn about this perk.

  • Chase mastercards specifically IHG still offer price protection.

  • I have not used this feature before, and I am not even sure if any my current credit cards have it. I shall check! Thanks for the reminder!

  • I have a citi card and didn’t know I eve had this feature! Thanks for the heads up!

  • My bigger complaint that benefits going away is that Chase’s provider doesn’t seem to want to approve any claims – I’ve filed two this year and they dragged one out for nearly 9 months before paying while the second is 6 months in and still not approved.

  • citi’s price rewind is pretty easy to use. It is a shame that they decrease the reimbursement amount.

  • I’ve used the citi one a few times. works fairly well but more importantly doubles the warranty.

  • This feature is rarely included with the overseas credit cards.

  • Interesting to take a look at, im not sure if my cards have this feature… I haven’t really looked into it. reading the comments it seems I might be missing out. thanks

  • Citi is great – even with their upcoming lower limit – since it can be used along with their extended warranty protection.

  • Boo, hiss, for Chase and Amex for not providing this coverage. They may well be missing out on some large purchases due to their not being an entrant regarding this coverage.

  • This is a great list. thanks much for the info!

  • Great list
    I wonder what percentage of card holders actually utilize this perk.
    I’d be shocked if it was over 20%

  • I usually forget about these perks; thanks for the reminders!

  • I have yet to ever use price protection. I hope to use it in the near future though.

  • Thanks! Just got the Barclays A+ and didn’t realize this was one of the benefits.

  • This is a benefit I really like and have used often with both Citi and Discover(when it was offered). I suspect perhaps many others have as well and there are various services that automate this process and make it easier for more people to use it. I suspect it became too costly to continue. Credit card issuers love to advertise a perk to get people to sign up but hope it rarely gets used. I have gotten major discounts easily on electronics purchased around Thanksgiving/Black Friday by using this benefit. It is sad that it is slowly being reduced/eliminated

  • Nice feature if you can get one that has it.
    Probably one of the first benefits to get axed though.

  • I’d like to get the Capital One Savor card but the annual fee seem high, hope Amex comes with a card with price protection.

  • “Common exclusions include: […] Items purchased outside the U.S.”

    Would this work if the item is purchased through Amazon USA, but from a foreign seller?

  • Citi’s Price Protection is my secret weapon for Black Friday shopping. Used to be Discover. Look for what you want in the BF Ad, buy the item a few days before it goes on sale while walking past the camping line, Price Rewind,….profit!

  • Lillian Dikovitsky says:

    Great list. Have to remember these.

  • I hope Amex can come up with a similar program, it’s customer service is best.

  • This is a good list.

  • Found this in a Google search after wondering if any of the cards in my lineup still had price protection. Thanks for the great lists!

  • Wells Fargo Visa Signature and Barclays Uber Visa actually offer price protection now.

  • Chase Credit cars sucks! Had horrible experience! They don’t protect you! Very rude customer service! Never going back, will not suggst anyone in this life

  • Robert Fuller says:

    Have used Citi and saved hundreds if dollars, it is simple, effective, easy, and I an amazed at how they quickly identify lower prices even when I buy something on sale. The limits have never affected me. Alas, all good things must come to an end and effective Sept 2019 Citi is NO LONGER offering the program. Must have cost them too much.

  • Chase is no longer offering Price Protection on the IHG card. Please update your article.

    • Hey Kelly, Chase still lists price protection on their website. (here). This is in the “Purchase Protection” section.

      “Price Protection:
      If a card purchase you made in the U.S. is advertised for less in print or online within 90 days, you can be reimbursed the difference up to $500 per item, $2,500 per year.”

  • I also love Citi price-rewind, it has very good price protection program and you get the check as quick as one week after it approved and process is online very easy! regretted that they stopped it this month on the 9/22 so Citi no longer offer price protection on any cards?? I gusseted! trying to looking for others credit cards that have price protection, and thanks for the great information here, was thinking about get the credit card with Chase that have it but saw comments with is not good customer service also long time to get approved to file claim so being concern now, What’s about Wells Fargo and US bank? Is US bank is through Amex I coukldn’t find anything on price protection when click on the link.. thanks!

  • I just opened an IHG card and the revised guide to benefits notes that price protection will be eliminated in 11/17/2019 so there goes those cards.

    Wells Fargo theoretically has the best remaining card for price protection assuming they are not discontinuing their benefit either. Note that you will need to be pre-approved for a 5,000 credit limit to qualify for the card that offers price protection, and they are absurdly stingy. I had no trouble qualifying immediately for 20,000 credit limit on the IHG card but for whatever reason Wells Fargo refused to give me even a 5,000 credit limit, and sent me their secondary card instead (which I promptly cancelled when I was unable to get them to issue me the Signature card).

    YMMV.

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