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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 paid with a card that offers price protection, you might be able to recoup the price difference. 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.
Which credit cards still offer price protection, and which one has the best coverage? Let's take a look.
Page Contents
- What Is Price Protection and How Does It Work?
- Capital One Personal Cards With Price Protection Benefits
- Capital One Business Cards With Price Protection Benefits
- Other Cards With Price Protection Benefits
- Overview of Credit Cards Offering Price Protection Policies
- What Purchases Are Excluded from Price Protection?
- Which Card Issuer Provides the Best Price Protection Policy?
- Final Thoughts
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 the same item within the specified timeframe, the card issuer will refund the difference.
Benefits such as price protection don't sound quite as sexy as free flights or five-star hotels. Still, it's possible you can receive more dollar value from card benefits than credit card rewards over the life of your card. Provided you know which items your card covers and can navigate the claims process, price protection can save you thousands of dollars per year.
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 30 days after 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, as well as limitations on the dollar value and number of claims you can make each year, which we dig into below.
Unfortunately, many card issuers — including Barclays, Discover, Chase, and Citi — have devalued or removed price protection policies over the last few years. However, a few cards still offer this valuable benefit.
Capital One Personal Cards With Price Protection Benefits
Among all credit card issuers, Capital One still offers the most readily available price protection policies. However, it's not as simple as knowing which card is in your wallet to know if you have price protection benefits. You need to know which network your card operates under.
Capital One's personal credit cards can operate on the Visa or Mastercard network. Unfortunately, if your card is a Visa, you don't have price protection benefits. However, price protection is offered on personal World Elite Mastercards.
To get coverage, you must purchase the item entirely with your card or your points, and you must see either a printed or non-auction internet advertisement for the same product at a lower price within 120 days of the purchase date on your receipt. You are covered up to $250 per claim, with a maximum of four claims per cardholder account per 12-month period.
How to file a Capital One price protection claim
To file a claim, visit mycardbenefits.com or call 1-877-288-6784 within 120 days of the incident. Submit the following documentation within 180 days of the advertisement's publication:
- A copy of the advertisement that shows the date of the advertisement, retailer name, the product, and the sale price.
- Receipt showing the item was purchased.
- Statement showing items purchased and the use of accumulated points.
- Itemized purchase receipt.
Here's an overview of some Capital One cards that can be issued as World Elite Mastercards.
Best for earning Capital One Miles: Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card is a phenomenal travel rewards card that packs in solid benefits at a low $95 annual fee. You'll earn 2X miles on every purchase, every day. These miles can then be transferred to 22 transfer partners or used to cover recent travel purchases. The card comes with a few extra benefits, such as Hertz Five Star status and up to $120 back on the application fee for Global Entry or TSA PreCheck.
- Earn 75,000 Miles once you spend $4,000 on purchases within the first 3 months of account opening
- 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- 2X miles on all other purchase
- Fee credit for Global Entry or TSA Pre✔® (up to $120)
- No foreign transaction fees
- $95 annual fee
- 5X miles per dollar on purchases through Capital One Entertainment
- 5X miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
- 2X miles per dollar on all other purchases
Related: Capital One Venture full review
Best for bonuses on dining and groceries: Capital One Savor Cash Rewards Credit Card
The Capital One Savor Cash Rewards Credit Card is one of the best no-annual-fee cards for grocery and dining purchases. You'll earn 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel, 8% cash back on Capital One Entertainment purchases, and 1% cash back on all other purchases.
In addition to a $0 annual fee, you won't pay any foreign transaction fees, so it's a great card to take with you on your trips abroad.
- Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening
- 3% cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®)
- 1% on all other purchases
- No foreign transaction fees
- $0 annual fee
- 8% cash back on purchases made via the Capital One Entertainment ticketing platform
- 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel
- 3% cash back on dining and entertainment
- 3% at grocery stores (excluding superstores like Walmart® and Target®)
- 3% on popular streaming services
- 1% on all other purchases
Related: Capital One Savor Cash full review
Best for flat-rate cash back: Capital One Quicksilver Cash Rewards Credit Card
If you don't want to keep track of bonus categories, the Capital One Quicksilver Cash Rewards Credit Card is a solid option. You will earn a flat 1.5% back on all purchases. Although it has a lower return on purchases than the 2X miles you get with the Capital One Venture, the Capital One Quicksilver doesn't charge an annual fee.
- Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening
- 1.5% cash back on every purchase, every day
- 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel
- No foreign transaction fees
- $0 annual fee
- 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel
- 5% cash back on purchases through Capital One Entertainment
- 1.5% cash back on every purchase, every day
Related: Capital One Quicksilver full review
Capital One Business Cards With Price Protection Benefits
Things get even more complicated with Capital One's business cards. Price protection appears in benefit guides for the following cards:
- Visa Signature Business
- Enhanced Visa Signature Business
- Visa Infinite Business
- World Elite Mastercard for Business Spark
- World Elite Mastercard for Business Spark Pro
- World Elite Mastercard for Business Venture X Business
So, you'll need to check your card's benefit guide to see whether you have price protection. However, the policies themselves look pretty much the same. You can be reimbursed up to $500 and up to $2,500 per year if you see an item advertised at a lower price within 60 days of purchase.
How to file a Capital One business card price protection claim
You can file a claim by contacting your benefits administrator within 10 days of the printed advertisement and providing the following information within 20 days of contact:
- The completed signed claim form.
- The advertisement includes a description of the item identical to the one you purchased, the sale price, the store name, and a sale date within 60 days of purchase.
- The original itemized sales receipt for your purchase.
- A copy of your monthly billing statement demonstrating that the purchase was made on your covered account.
Here are a few business cards that are eligible for price protection.
Best no-annual-fee business card: Capital One Spark Cash Select
The Capital One Spark Cash Select is a great option for small businesses looking to earn cash back on business purchases without an annual fee. You'll earn unlimited 1.5% cash back on all purchases and receive a variety of business-related benefits.
- Earn $750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening
- 1.5% cashback on every purchase
- 5% cash back on hotels and rental cars booked through Capital One Business Travel
- No foreign transaction fees
- $0 annual fee
- 1.5% cashback on every purchase
- 5% cash back on hotels and rental cars booked through Capital One Business Travel
Related: Spark Cash Select full review
The Capital One Venture X Business is as good as it gets in Capital One's business credit card lineup. It comes packed with perks, like an annual $300 credit for bookings through Capital One Travel, to help offset the $395 annual fee. The welcome bonus is fantastic, but it's likely out of reach for small businesses or freelancers who don't have large business expenses to put on the card.
On that note, it's a pay-in-full card, which means you can't carry a balance from month to month. The Venture X Business is best for established businesses that want premium perks.
- 10X miles per $1 on hotels and rental cars booked via Capital One Business Travel
- 5X miles per $1 on purchases through Capital One Entertainment
- 5X miles per $1 on flights booked via Capital One Business Travel
- 5X miles per $1 on vacation rentals booked via Capital One Business Travel
- 2X miles per $1 on other eligible purchases
Related: Venture X Business full review
Other Cards With Price Protection Benefits
The Navy Federal More Rewards American Express® Card offers a Best Value Guarantee, which ensures you pay the lowest price available on covered items purchased with your card. If you make a purchase and see, within 30 days, an identical item advertised in print at a lower price than you originally paid, you can receive up to $250 back per item and up to $1,000 per year.
Call 1-866-643-6873 to request a refund. You will be asked to send the dated advertisement, the store receipt, and your record of charge within 90 days of the purchase. Unfortunately, price comparisons on the internet do not qualify — the lower price must be advertised in print. You can only submit a request if the price difference is $10 or more. The item must be identical in every way — brand name, model number, materials, workmanship, and any associated warranty. Lots of exclusions apply, so make sure to read the terms and conditions in your card's benefits guide for more information.
- You could earn 20,000 bonus points when you spend $2,000 (a $200 value) within 90 days of account opening.
- For a limited time, hit checkout on the fly with a one-time $98 statement credit when you pay $49 or more for an annual Walmart+ membership until January 1st, 2026.
- 3X points at restaurants and on food delivery
- 3X points on groceries
- 3X points on gas and transit
- 1X points on everything else
- 3X points on groceries
- 3X points on gas and transit
- 3X points at restaurants and on food delivery
- 1X points on everything else
If you are a member of the Navy Federal Credit Union, the Navy Federal More Rewards Amex could be a solid option. You could earn 20,000 bonus points when you spend $2,000 (a $200 value) within 90 days of account opening. Plus, you'll earn 3X points at restaurants, supermarkets, gas stations, and on transit and food delivery purchases. Although you can't transfer these points to travel partners to extract more value, the card doesn't charge an annual fee.
Related: Navy Federal More Rewards Amex Card Review
UBS Visa Infinite credit card
The UBS Visa Infinite credit card offers a more lucrative price protection policy. If you see an eligible item that you purchased in the U.S. advertised for less within 90 days of purchase, you can be reimbursed up to $500 per item, or up to $1,500 per year. The advertisement can either be in print or on a non-auction internet advertisement. You must charge a portion or the entire purchase of the item to your card to be eligible, but you can only be reimbursed up to the amount charged to your account.
To submit your claim, call the benefits administrator at 1-800-553-7520. You will be sent a claim form, where you will need to include a copy of your monthly billing statement showing the purchase and itemized store receipt, along with the advertisement showing the following information:
- A description of the item that is identical to the one you purchased.
- The sale price.
- The store or dealer’s name.
- A sale date that is effective within 90 days of the date of purchase.
You must notify the benefit administrator within 10 days of the printed advertisement, and return the claim form and documentation within 20 days of contacting the benefits administrator.
The UBS Visa Infinite is a premium credit card with a premium $650 annual fee. You'll receive a variety of benefits, including a $500 annual credit based on annual spend, a $500 airline fee credit, VIP amenities at select Ritz-Carlton, Fairmont, and Park Hyatt properties, an annual 5GB, 30-day GigSky plan, and a Priority Pass Select membership.
HSBC Premier World Elite Mastercard® credit card
The HSBC Premier World Elite Mastercard® credit card offers a middle-of-the-road price protection policy. If an item you purchased entirely with your card is advertised at a lower price within 60 days of the purchase date, you can file a claim for up to $250 back. There is a maximum of four claims per cardholder in any 12-month period. The item can be advertised either in print or on a non-auction website. The item must have the same manufacturer and model number.
To submit a claim, call 1-800-Mastercard or go to www.mycardbenefits.com within 60 days of the incident. Submit the following documentation within 180 days of the advertisement's publication:
- A copy of the printed advertisement that shows the date of the advertisement, the retailer's name, the product, and the sale price.
- Receipt showing the item was purchased.
- Statement showing items purchased and the use of accumulated points.
- Itemized purchase receipt.
It also comes packed with perks. You'll receive up to $400 per year in travel credits for flights, hotels, and car rentals booked through HSBC Travel, up to $120 in statement credits annually on taxis, cabs, and rideshare purchases, Priority Pass lounge access, and a variety of travel and purchase protections.
However, it charges a $495 annual fee and requires an HSBC Premier checking account to apply. To open an HSBC Premier checking account, you'll need to have either $100,000 in deposits or investments with HSBC, $5,000 in monthly deposits, an HSBC mortgage, or be an HSBC Private Bank client.
Overview of Credit Cards Offering Price Protection Policies
We’ve only included credit providers and specific cards for which we could find written price protection policies, either in guides to benefits or on the issuer’s website, and we've included updates when new policies are announced. Keep in mind that the Capital One cards can be issued by multiple networks. So, just because you have a card on this list doesn't mean you're guaranteed to have price protection as a benefit.
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.
| Card | Maximum Claim Value | Claim Window |
|---|---|---|
| Capital One Venture Rewards Credit Card | Up to $250 per item, up to four claims per 12-month window | 120 days |
| Capital One Savor Cash Rewards Credit Card | Up to $250 per item, up to four claims per 12-month window | 120 days |
| Capital One Quicksilver Cash Rewards Credit Card | Up to $250 per item, up to four claims per 12-month window | 120 days |
| Capital One Spark Cash Select | Up to $500 item and up to $2,500 per year | 60 days |
| Capital One Spark Miles for Business | Up to $500 item and up to $2,500 per year | 60 days |
| Capital One Venture X Business | Up to $500 item and up to $2,500 per year | 60 days |
| Navy Federal More Rewards American Express® Card | Up to $250 per item and $1,000 per year | 30 days |
| UBS Visa Infinite credit card | Up to $500 per item and $1,500 per year | 90 days |
| HSBC Premier World Elite Mastercard® credit card | Up to $250 per item, up to four claims per 12-month window | 60 days |
You’ll notice some pretty big players in the credit card space are missing from 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 by provider but is fairly consistent across 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.
- Collectibles, 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 Price Protection Policy?
With Barclays ending price protection benefits, Chase wiping the benefit from most Visa and Mastercard products, Discover removing the benefit from its listed card benefits, and Citi cutting the Price Rewind benefit completely, Capital One is certainly the best card issuer for price protection.
Capital One's business cards, like the Spark Cash cards, provide the highest coverage limits, while Capital One's personal cards offer the longest coverage periods. Several other banks also offer viable alternatives in this dwindling area of credit card purchase protection, including UBS, HSBC, and Navy Federal Credit Union.
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.
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