Discover’s Price Protection Policy – What To Know

One of the benefits of the credit cards issued by Discover (e.g Discover it, Discover it Miles or Discover it Secured) is the fact they offer price protection. Let’s take a look at their price protection policy in detail. Unlike other credit card issuers Discover actually provides coverage for Black Friday sales.

discover-price-protection

What’s Covered?

You’re covered if you purchase an item and the identical item is advertised at a lower price within 90 days of the original purchase date. When they say identical, they mean identical – they can refuse your claim for things as small as it being a different color.

There are some exclusions to what is covered as well:

  • Items must be purchased and advertised in the United States, or its terroitories, including Puerto Rico.
  • All services are excluded, this covers items only.
  • Any used, rebuilt, remanufactured or second hand items are all excluded.
  • Consumable and perishable items (e.g food, fuel, oil, household products & cosmetics)
  • Travelers checks, tickets of any kind, jewelry, art objects, negotiable instuments, bullion, rare or precious coins or stamps, antiques cash and it’s equivalents
  • Computer components including but not limited to external and internal hard drives, CPUs, power supplies, batteries, DVDs, video cassettes, CDs, audio cassettes, printed materials, or any other informational and recreational media (this was added in August)
  • Motorized vehicles and their parts including, but not limited to, boats, airplanes, automobiles, trucks and motorcycles; and their parts and accessories including but not limited to tires and batteries
  • Floor models, demonstrator models and one-of-a-kind items
  • Live animals and live plants
  • Negotiated sales, one-of-a kind sales, cash-only sales
  • Close-out/liquidation/going-out-of-business sales but only as they relate to a business (not a particular item) going out of business
  • Employee discounts
  • Digital downloads including, but not limited to, music, movies, books, mobile apps and eCertificates
  • Gift cards
  • Special discounts offered through a specific retailer membership or rewards program
  • Price differences involving manufacturer or merchant rebates
  • Purchase transactions involving refunds, exchanges, trade-ins, layaways, gift cards, or store credits
  • Items purchased and/or advertised as price quotes or bids from an Internet auction site
  • If you return the item, Discover can charge back the amount you received from the Price Protection claim

How Much Is Covered?

You’re limited to a maximum of $500 per item and up to $2,500 per account annual limit. If you make multiple purchases of identicalal iteams then you’re subject to the $500 per item limit per sales receipt and or calendar day.

How To File A Claim

To file a claim, do the following:

  • Contact Discover at 1-800-DISCOVER (1-800-347-2683), Monday through Friday, 8 a.m. to 8 p.m. (ET) and Saturday from 8 a.m. to 12 p.m. (except holidays).
  • Choose between receiving your claim form via e-mail or snail mail (e-mail is much quicker and recommended)
  • File out the claim form, making sure to include a copy of your receipt and also a copy of the ad you want to claim against
  • Check the status of your claim: https://www.cardbenefitcenter.com/

Tips

  1. Make sure you make the full purchase with your Discover card, if you use store loyalty points or gift cards for any part of your purchase your claim will be denied.
  2. Make sure the model & item numbers match exactly. If they don’t then Discover is likely to reject your claim. You also want those numbers to be clearly visible in the attached advertisement.

If you’ve used Discover’s price protection before, please let us know in the comments your experiences. If you have any other tips, I’d also like to hear them. If people are interested I can also put together a piece comparing the different price protection policies between the major credit card issuers (Hint: Discover’s is the best).

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Chad
Chad (@guest_678091)
November 25, 2018 11:44

Can you file multiple claims for the same item? For example, it has two price drops within 90 days?

Priyanka
Priyanka (@guest_633719)
August 24, 2018 04:04

Hi ,

Where can i find the low price ads in order to claim .

Gaurav Agrawal
Gaurav Agrawal (@guest_628317)
August 9, 2018 17:28

I put claim for my iphone, for the same day dated ad, Will there a problem. I bought in afternoon and screenshot for the ad is from the night 9 PM on same day.

priyanka medishetti
priyanka medishetti (@guest_633720)
August 24, 2018 04:06

Hi ,

Where do you find the low price ads details.

Joel
Joel (@guest_585528)
April 23, 2018 21:02

Discover no longer has this benefit. “Effective February 28,2018, we will discontinue Extended Product Warranty, Purchase Protection and Return Guarantee due to low usage among cardmembers.”

Frito Pendejo
Frito Pendejo (@guest_534686)
December 13, 2017 12:14

Discover initially denied my claim for a price match to amazon.com because it says they need a *dated* advertisement, and of course websites don’t have print dates. I just submitted a screenshot that includes the date/time clock on my computer and am retrying…

gerry
gerry (@guest_534701)
December 13, 2017 12:39

in Firefox, when printing it can print time and date, which is useful when purchasing and price matching same day. This just substantiates a lower price AFTER original purchase. Google Chrome, I can’t get it to print the time just the date. It prints on the bottom of the page along with the url address, headers and footers.

Frito Pendejo
Frito Pendejo (@guest_534820)
December 13, 2017 17:48

Printing a copy and then taking a photo of the dated print – good idea

deal2
deal2 (@guest_533931)
December 11, 2017 16:14

I bought a TV in Walmart listed for $600 and with associate discount i got it for $540+tax .Now ,I see other store has the exact same TV for $300 .Am I eligible for price protection as I got discount in my original purchase ?

Gil
Gil (@guest_528324)
December 1, 2017 19:08

If you buy three of the same item is the $500 limit still applied if you buy them on three separate days?

Gerry
Gerry (@guest_528357)
December 1, 2017 20:08

I would think not since they would be different claims

gerry
gerry (@guest_534702)
December 13, 2017 12:41

Be careful if you buy 3 separate days, since the lower price needs to be after the original purchase date. If the price fluctuates daily, there may be a problem

Anand
Anand (@guest_524189)
November 25, 2017 21:37

If I buy a TV from ebay, pay using paypal with Discover card…will that be covered for Price Protection?

Chan Le
Chan Le (@guest_523465)
November 24, 2017 01:39

actually the direct phone number for discover price protection is 8006388312

Gerry
Gerry (@guest_496163)
October 18, 2017 11:40

I’ve used Discover, Chase and Citibank price protection. With Discover you need to call it in and they will email you a link for you to upload the documents for verification. The payment is via paper check in the mail. The only time that I got declined was my fault since I did not read the restrictions clearly. I had bought an item and then noticed a lower price, but that vendor was offering a free hat with the item, which disqualified the price match due to the free item. Discover does price match Ebay Buy it Now items, just make sure that it is the same item and in new condition. You only get one chance to price match, so make sure its the lowest price possible, even though it is still withing the 90 day period.

All of the companies mentioned do price match firearms, which is surprising but valuable. Most of the times online gun companies have lower prices than local gun stores. You just have to calculate if the tax outweighs the lower price online plus shipping and FFL transfer fees. But in certain cases where you probably would of never used a particular online gun website due to obscure or bad reviews, if they post a lower price, its valid. Citibank will price match gunbroker.com if it is a Buy it Now price.

As mentioned earlier, having the lower price does not necessarily mean a sale. On Amazon.com if a lower price is from small seller but a sold by and shipped by Amazon is more. I usually buy it from Amazon with the prime and instantly print the lower price of the other seller, since I have more comfort and recourse if sold by Amazon. Google Chrome does not print the time in the headers when printing, and most cc companies don’t distinguish between same day purchases, but Firefox does print the time, just make sure that the time printed on the lower price is after the original purchase.

James Lee
James Lee (@guest_515647)
November 15, 2017 01:33

So Discover will deny the claim even if you try to PM with a store that gives a free item? For example, the BB Ipad mini 4 deal. BB gives you some junk free 6 month free anti virus trial with Ipad purchase. Discover will deny my price match if I submit this ad?

Gerry
Gerry (@guest_515660)
November 15, 2017 02:12

Most definitely, Items purchased and/or advertised as buy-one-get-one-free, or where the advertised/purchase price includes free offers or includes a bonus offer. Not only on the price match, but also the initial purchase.
This is something to keep in mind when price matching to Black Friday, Cyber Monday ads. I think thats the case with Citi and Chase, but I could be mistaken?

James Lee
James Lee (@guest_516682)
November 16, 2017 01:09

I guess what can be done is to the add the item to your cart and then remove the “free” item and then take a screen shot.

Gerry
Gerry (@guest_516693)
November 16, 2017 01:26

That would work, if you are able to, but if you just have the black Friday flyer then it could be a problem.