{"id":20252,"date":"2024-02-25T16:00:01","date_gmt":"2024-02-25T16:00:01","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=20252"},"modified":"2026-03-11T16:51:45","modified_gmt":"2026-03-11T16:51:45","slug":"best-credit-credit-cards-price-protection","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/price-protection\/","title":{"rendered":"Best Credit Cards for Price Protection"},"content":{"rendered":"<p>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, there is every chance you can recoup the price difference. While cards offering price protection are not as common as they once were, there are still plenty of options available \u2014 including a few that don\u2019t charge an annual fee.<\/p>\n<p>Which credit cards still offer price protection, and which one has the best coverage? Let's take a look.<\/p>\n<h2><span id=\"What_Is_Price_Protection_and_How_Does_It_Work\">What Is Price Protection and How Does It Work?<\/span><\/h2>\n<p>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.<\/p>\n<p>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.<\/p>\n<figure id=\"attachment_151356\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-151356 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/02\/Mikhail-Nilov-Pexels-woman-with-credit-card-featured-300x240.png\" alt=\"close-up of a woman holding a credit card and typing on a laptop while sitting at a desk with many documents\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/02\/Mikhail-Nilov-Pexels-woman-with-credit-card-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/02\/Mikhail-Nilov-Pexels-woman-with-credit-card-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/02\/Mikhail-Nilov-Pexels-woman-with-credit-card-featured-325x260.png 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/02\/Mikhail-Nilov-Pexels-woman-with-credit-card-featured.png 1000w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Mikhail Nilov\/Pexels<\/em><\/enter><\/figure>\n<h2><span id=\"Loss_of_Price_Protection_Benefits_on_Cards\">Loss of Price Protection Benefits on Cards<\/span><\/h2>\n<p>Unfortunately, many card issuers \u2014 including Barclays, Discover, Chase, and Citi \u2014 have devalued or removed price protection policies over the last couple of years.<\/p>\n<ul>\n<li>Discover scrapped price protection benefits on all cards on October 31, 2018.<\/li>\n<li>Chase removed price protection from the majority of its Visa cards at the end of 2018, with the <a data-ccid=\"4048084\" href=\"https:\/\/www.chasebenefits.com\/sapphirereserve2\" rel=\"noopener\" target=\"_blank\">Sapphire Reserve Guide to Benefits<\/a> stating the benefit was dropped as of August 26, 2018. There are now just a handful of <a target=\"_blank\" href=\"\/credit-cards\/united-mileageplus\/united-credit-cards\/\" rel=\"noopener\">United co-branded cards<\/a> counting price protection as a benefit.<\/li>\n<li>Mastercard removed price protection mid-way through 2019, although some issuers still retain price protection on select cards.<\/li>\n<li><a target=\"_blank\" href=\"\/news\/credit-cards\/citi-benefits-changes-2019\/\" rel=\"noopener\">Citi culled its Price Rewind benefit on all cards from September 22, 2019<\/a>.<\/li>\n<li>Barclays removed price protection on all cards on November 1, 2019.<\/li>\n<\/ul>\n<p>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\u2019ll <a href=\"\/credit-cards\/non-travel-benefits\/\">receive more dollar value from card benefits<\/a> than credit card rewards over the life of your card.<\/p>\n<p>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.<\/p>\n<h2><span id=\"Credit_Cards_Offering_Price_Protection_Policies\">Credit Cards Offering Price Protection Policies<\/span><\/h2>\n<p>We\u2019ve 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\u2019s website, and included updates when new policies are announced. If we\u2019ve 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.  <\/p>\n<p>\n<table id=\"tablepress-141\" class=\"tablepress tablepress-id-141 tablepress-responsive\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Card<\/th><th class=\"column-2\">Maximum Claim Value<\/th><th class=\"column-3\">Claim Window<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\"><a data-ccid=\"3006151\" href=\"\/blog\/link\/CR-COV\" rel=\"noopener nofollow sponsored\">Capital One Venture Rewards Credit Card<\/a><\/td><td class=\"column-2\">Up to $250 per item, up to four claims per 12-month window<\/td><td class=\"column-3\">120 days<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"4048129\" href=\"\/blog\/link\/CR-CapitalOneSavorCard\" rel=\"noopener nofollow sponsored\">Capital One Savor Cash Rewards Credit Card<\/a><\/td><td class=\"column-2\">Up to $250 per item, up to four claims per 12-month window<\/td><td class=\"column-3\">120 days<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\"><a data-ccid=\"3006159\" href=\"\/blog\/link\/CR-CapitalOneQuicksilverCashRewardsCreditCard\" rel=\"noopener nofollow sponsored\">Capital One Quicksilver Cash Rewards Credit Card<\/a><\/td><td class=\"column-2\">Up to $250 per item, up to four claims per 12-month window<\/td><td class=\"column-3\">120 days<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"3006153\" href=\"\/blog\/link\/CR-SparkCashSelectforBusiness\" rel=\"noopener nofollow sponsored\">Capital One Spark Cash Select<\/a><\/td><td class=\"column-2\">Up to $500 item and up to $2,500 per year<\/td><td class=\"column-3\">60 days<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\"><a data-ccid=\"3006149\" href=\"\/blog\/link\/CRCapOneSparkMiles\" rel=\"noopener nofollow sponsored\">Capital One Spark Miles for Business<\/a><\/td><td class=\"column-2\">Up to $500 item and up to $2,500 per year<\/td><td class=\"column-3\">60 days<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"5048345\" href=\"\/blog\/link\/CR-CapitalOneVentureXRewardsBusiness\" rel=\"noopener nofollow sponsored\">Capital One Venture X Business<\/a><\/td><td class=\"column-2\">Up to $500 item and up to $2,500 per year<\/td><td class=\"column-3\">60 days<\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\"><a data-ccid=\"13\" href=\"https:\/\/awardwallet.com\/blog\/link\/NavyFederalMoreRewardsAmericanExpressCard\" rel=\"noopener nofollow sponsored\">Navy Federal More Rewards American Express<sup>\u00ae<\/sup> Card<\/a><\/td><td class=\"column-2\">Up to $250 per item and $1,000 per year<\/td><td class=\"column-3\">30 days<\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"117\" href=\"\/blog\/link\/UBSVisaInfinitecreditcard\" rel=\"noopener nofollow sponsored\">UBS Visa Infinite credit card<\/a><\/td><td class=\"column-2\">Up to $500 per item and $1,500 per year<\/td><td class=\"column-3\">90 days<\/td>\n<\/tr>\n<tr class=\"row-10 even\">\n\t<td class=\"column-1\"><a data-ccid=\"104\" href=\"\/blog\/link\/HSBCPremierWorldEliteMastercardcreditcard\" rel=\"noopener nofollow sponsored\">HSBC Premier World Elite Mastercard<sup>\u00ae<\/sup> credit card<\/a><\/td><td class=\"column-2\">Up to $250 per item, up to four claims per 12-month window<\/td><td class=\"column-3\">60 days<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/p>\n<p>You\u2019ll 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\u2019t offer price protection on any of their card products.<\/p>\n<h2><span id=\"What_Purchases_Are_Excluded_from_Price_Protection\">What Purchases Are Excluded from Price Protection?<\/span><\/h2>\n<p>The list of exclusions differs for each provider but is fairly consistent across different cards from the same issuer. Common exclusions include:<\/p>\n<ul>\n<li>Boats, cars, or any motorized vehicle (motorbike, truck, tractor, etc)<\/li>\n<li>Cell phones purchased on contract or as part of a service<\/li>\n<li>Secondhand or refurbished items<\/li>\n<li>Any item purchased to resell for profit or for commercial use<\/li>\n<li>Items purchased outside the U.S.<\/li>\n<li>Collectables, jewelry, rare, custom, or tailored items<\/li>\n<li>All fees and taxes, rebates, or incentives from the manufacturer<\/li>\n<li>Any kind of live animal<\/li>\n<\/ul>\n<p>This is by no means an exhaustive list. For precise exclusions on each card, you\u2019ll need to read the credit card guide to benefits. If you\u2019re unfamiliar with your card benefits, we\u2019ve compiled a handy <a href=\"\/credit-cards\/guide-to-benefits-list\/\">list of guides to benefits from major credit providers<\/a>.<\/p>\n<h2><span id=\"Which_Card_Issuer_Provides_the_Best_Policy\">Which Card Issuer Provides the Best Policy?<\/span><\/h2>\n<p>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, the best card for Price Protection depends on your needs.<\/p>\n<p>Capital One's business cards like the <a href=\"\/credit-cards\/cash-back\/capital-one-spark-cash-plus\/\">Spark Cash cards<\/a> and the <a data-ccid=\"80\" href=\"https:\/\/awardwallet.com\/credit-cards\/united-mileageplus\/united-gateway-card\/\">United\u2120 TravelBank Card<\/a> provide the highest coverage limits, though the United TravelBank Card isn't available to new applicants. 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, Wells Fargo, and Navy Federal Credit Union.<\/p>\n<p><div class=\"qs-card\" data-id=\"3006149\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Capital One Spark Miles for Business<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/e19aa472-38e5-4c90-9980-8ac54ecec6be.png\" width=\"150\" alt=\"Capital One Spark Miles for Business\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-how-apply\" title='Capital One Spark Miles for Business' href=\"\/blog\/link\/CRCapOneSparkMiles\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 50,000 Miles once you spend $4,500 on purchases within 3 months from account opening<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Capital One Spark Miles for Business<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 50,000 Miles once you spend $4,500 on purchases within 3 months from account opening<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0 introductory fee for the first year; $95 after that<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">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). Your rewards never expire as long as your account is open and in good standing.<\/div><div class=\"qs-tab-hl\"><ul><li>Earn 50,000 bonus miles once you spend $4,500 on purchases within 3 months from account opening; worth $500 in travel if redeemed for a fixed-value, or potentially much more when transferred to airline partners<\/li>\r\n \t<li>2 Miles per $1 on every purchase, everywhere<\/li>\r\n\t<li>Fee credit for Global Entry or TSA Pre\u2714<sup>\u00ae<\/sup> (up to $120)<\/li>\r\n \t<li>No foreign transaction fees<\/li>\r\n \t<li>$0 introductory fee for the first year; $95 after that<\/li><\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>2X miles per dollar on every purchase, everywhere, no limits or category restrictions<\/li>\r\n<li>5X miles per dollar on purchases through Capital One Entertainment<\/li>\r\n<li>5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/SparkMiles\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-69271f2c6#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<h2><span id=\"How_To_File_a_Price_Protection_Claim\">How To File a Price Protection Claim<\/span><\/h2>\n<ul>\n<li><strong>Capital One: <\/strong>Call <strong>800-397-9010<\/strong> to request a claim form and return with the required documents to Card Benefit Services, P.O. Box 2894, Great Falls, MT 59403.<\/li>\n<li><strong>Chase: <\/strong>Call the Benefits Administrator at <strong>888-880-5844<\/strong> within 21 days of the advertised lower price and return all required documents within 45 days.<\/li>\n<li><strong>Navy Federal Credit Union:\u00a0<\/strong>Call <strong>866-643-6873<\/strong> within 90 days of purchase, though the difference must be at least $10.<\/li>\n<li><strong>U.S. Bank: <\/strong>Call <strong>855-327-1424<\/strong> to initiate a request for a refund.<\/li>\n<li><strong>Wells Fargo: <\/strong>Contact the Benefits Administrator at <strong>800-553-7520<\/strong> within 10 days of finding the lower advertised price.<\/li>\n<\/ul>\n<h2><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p>If you haven\u2019t 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\u2019ve just purchased, you can claim back the difference.<\/p>\n<p>If you\u2019ve had experience making a price protection claim through your credit provider, we\u2019d love to hear from you in the comments below.<\/p>\n<div id=\"ftoc\"><div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#What_Is_Price_Protection_and_How_Does_It_Work\">What Is Price Protection and How Does It Work?<\/a><\/li><li><a href=\"#Loss_of_Price_Protection_Benefits_on_Cards\">Loss of Price Protection Benefits on Cards<\/a><\/li><li><a href=\"#Credit_Cards_Offering_Price_Protection_Policies\">Credit Cards Offering Price Protection Policies<\/a><\/li><li><a href=\"#What_Purchases_Are_Excluded_from_Price_Protection\">What Purchases Are Excluded from Price Protection?<\/a><\/li><li><a href=\"#Which_Card_Issuer_Provides_the_Best_Policy\">Which Card Issuer Provides the Best Policy?<\/a><\/li><li><a href=\"#How_To_File_a_Price_Protection_Claim\">How To File a Price Protection Claim<\/a><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Ancillary benefits such as price protection don&#8217;t sound quite as sexy as free flights or five-star hotels, but there&#8217;s every possibility you\u2019ll 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.<\/p>\n","protected":false},"author":59,"featured_media":151356,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"default","_google_business_share_type":"default","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12520],"coauthors":[36386],"class_list":["post-20252","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-benefits"],"acf":[],"yoast_head":"<title>Best Credit Cards for Price Protection \u2014 AwardWallet<\/title>\n<meta name=\"description\" content=\"Your credit card card may offer price protection, which means you might get money back after an item you bought has a price drop.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/awardwallet.com\/credit-cards\/price-protection\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Best Credit Cards for Price Protection\" \/>\n<meta property=\"og:description\" content=\"Your credit card card may offer price protection, which means you might get money back after an item you bought has a price drop.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/awardwallet.com\/credit-cards\/price-protection\/\" \/>\n<meta property=\"og:site_name\" content=\"AwardWallet Blog\" \/>\n<meta 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