Page Contents<\/p>
- What Is Price Protection and How Does It Work?<\/a><\/li>
- Capital One Personal Cards With Price Protection Benefits<\/a>
- How to file a Capital One price protection claim<\/a><\/li>
- Best for earning Capital One Miles: Capital One Venture Rewards Credit Card<\/a><\/li>
- Best for bonuses on dining and groceries: Capital One Savor Cash Rewards Credit Card<\/a><\/li>
- Best for flat-rate cash back: Capital One Quicksilver Cash Rewards Credit Card<\/a><\/li><\/ul><\/li>
- Capital One Business Cards With Price Protection Benefits<\/a>
- How to file a Capital One business card price protection claim<\/a><\/li>
- Best no-annual-fee business card: Capital One Spark Cash Select<\/a><\/li>
- Best for premium perks: Capital One Venture X Business<\/a><\/li><\/ul><\/li>
- Other Cards With Price Protection Benefits<\/a>
- Navy Federal More Rewards American Express\u00ae<\/sup> Card<\/a><\/li>
- UBS Visa Infinite credit card<\/a><\/li>
- HSBC Premier World Elite Mastercard\u00ae<\/sup> credit card<\/a><\/li><\/ul><\/li>
- Overview of Credit Cards Offering Price Protection Policies<\/a><\/li>
- What Purchases Are Excluded from Price Protection?<\/a><\/li>
- Which Card Issuer Provides the Best Price Protection Policy?<\/a><\/li>
- Final Thoughts<\/a><\/li><\/ul><\/div>\n\n
What Is Price Protection and How Does It Work?<\/span><\/h2>\n
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
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<\/a> 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.<\/p>\n
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
Unfortunately, many card issuers \u2014 including Barclays, Discover, Chase, and Citi \u2014 have devalued or removed price protection policies over the last few years. However, a few cards still offer this valuable benefit.<\/p>\n
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Credit: Mikhail Nilov\/Pexels<\/em><\/enter><\/figure>\n Capital One Personal Cards With Price Protection Benefits<\/span><\/h2>\n
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.<\/p>\n
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.<\/p>\n
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.<\/p>\n
Credit: Nathan Dumlao\/Unsplash<\/em><\/enter><\/figure>\n How to file a Capital One price protection claim<\/span><\/h3>\n
To file a claim, visit mycardbenefits.com or call 1-877-288-6784 \u00a0within 120 days of the incident. Submit the following documentation within 180 days of the advertisement's publication:<\/p>\n
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- A copy of the advertisement that shows the date of the advertisement, retailer name, the product, and the sale price.<\/li>\n
- Receipt showing the item was purchased.<\/li>\n
- Statement showing items purchased and the use of accumulated points.<\/li>\n
- Itemized purchase receipt.<\/li>\n<\/ul>\n
Here's an overview of some Capital One cards that can be issued as World Elite Mastercards.<\/p>\n
Best for earning Capital One Miles: Capital One Venture Rewards Credit Card<\/span><\/h3>\n
The Capital One Venture Rewards Credit Card<\/a> 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<\/a> or used to cover recent travel purchases. The card comes with a few extra benefits, such as Hertz Five Star status<\/a> and up to $120 back on the application fee for Global Entry or TSA PreCheck.<\/p>\n
\n\n\nCapital One Venture Rewards Credit Card<\/div>\n<\/div>\n How to Apply<\/a><\/div>\n<\/div>\nWelcome Offer<\/strong>\r\nEarn 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening. <\/div>\n <\/div>\n\n Capital One Venture Rewards Credit Card<\/strong>\nWelcome Offer<\/strong>\r\nEarn 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening. <\/div>\nAnnual Fee:<\/strong>$95<\/b><\/div>\nShow more<\/a>Why We Like It<\/a>Highlights<\/a>Earning Rates<\/a>Following the revamp of Capital One's rewards program and the addition of airline transfer partners, the Capital One Venture has catapulted into our list of top travel rewards cards. The ability to earn at least 2X miles on every purchase provides a decent return on spending. Plus the card offers some great perks.<\/div>- Earn 75,000 Miles once you spend $4,000 on purchases within the first 3 months of account opening<\/li>\r\n
- 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel<\/li>\r\n
- 2X miles on all other purchase<\/li>\r\n
- Fee credit for Global Entry or TSA Pre\u2714\u00ae<\/sup> (up to $120)<\/li>\r\n \t
- No foreign transaction fees<\/li>\r\n \t
- $95 annual fee<\/li><\/ul><\/div>
- UBS Visa Infinite credit card<\/a><\/li>
- Best no-annual-fee business card: Capital One Spark Cash Select<\/a><\/li>
- Best for earning Capital One Miles: Capital One Venture Rewards Credit Card<\/a><\/li>
- Capital One Personal Cards With Price Protection Benefits<\/a>
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