Posted by William Charles on April 23, 2018
Credit Cards

Published on April 23rd, 2018 | by William Charles


Chase To Drop Price Protection & Return Protection Across ALL Cards (Including CSR)

Update 04/23/18: Previously the Chase Sapphire Reserve was still listing price protection as a benefit. This has now also been removed from the application page and is no longer being advertised. Keep in mind this card has an annual fee of $450.

Earlier today we posted a story about the fact Chase is removing price protection, return protection and lowering insurance on the United cards. Reader Brian T points out that price and return protection is no longer listed on the landing pages for any Chase cards. If you compare to previous landing pages you’ll see what we are talking about:

Another example is going to the landing page here and then clicking ‘service and protection’. Price and return protection are no longer listed. The only exception is the Chase Sapphire Reserve, this card still lists return protection as a benefit but price protection is not listed at all. It’s not clear how the travel insurance benefits will change on Chase branded cards, Sapphire Reserve is still showing the old insurance terms. This is definitely a major negative change, lose of price and return protection didn’t matter that much on United cards because they generally aren’t used for every day purchases but cards such as the Chase Freedom Unlimited & Chase Freedom are very much used for those types of purchases.

I suspect these changes will go into effect on the same date as the United changes for existing cardholders (June 1st, 2018). Worth pointing out that it was rumored that Chase would be cutting price protection across all cards earlier this year as well. Get Chase’s attention by retweeting this. You can view other cards that offer price protection here.

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these benefits were too good and got abused crazy. Soon no bank will offer them.

Ugh, really frustrating when selfish folks abuse the system and ruin it for the rest of us… I’m curious what exactly you mean by “abuse” though? Like fake item listings?

They could just have a lower cap. Probably more a sign that these banks know that time is running out for all the bad loans they’ve made (again)


Agreed – Lower the cap would be a better solution.

I don’t really consider legitimately using a benefit abuse, but to each their own.

If sapphire drops travel protection, I’ll def dump it in favor of amex platinum.

I think a few people abused this a lot. In 10 years I never had the opportunity to use either protection…

Nor did I, and I’ve had United cards since 2012 and the Sapphire Reserve since 2016.

I agree. Never once have I looked to use price or return protection in 20 years of using credit cards as my primary spending tool. But obviously, someone was getting use out of it. I wasn’t aware of the tools of the trade that scan receipts and e-mails to use these benefits and file the claim automatically. Nice – I hope those people in the know enjoyed getting their money back.

I assume there are some cheats or hacks to this price protection system; there seems to be some hush-hushness going on about it here and on Reddit. I just signed up the other day for Earny and it wanted me to file a claim 3 dollars on a $20 Amazon item that the app says I paid full price for, but I had a promo code that brought the price way below what the app says I did or should have paid. I imagine CC’s Co’s don’t spend much time QA’ing these claims because they are not worth their time to investigate. I did not file the claim.

The one CC perk/benefit I did try to use one time was extended warranty, but because of some fine print, it got shot down. It was a claim on a microwave not long after the manufacturer 1 yr warranty ran out. Because it was an over-the-stove unit and not a counter-top model, the CC wouldn’t cover it. Simply worded, if it attaches to the house, it becomes part of the house. No way was I going to file a tiny claim on my home policy. I ate the cost to replace it and moved on.

this is bad news. today is a sad day.

This is BS. I pay $450 for a credit card and they drop a benefit like price protection 4 months through my calendar year? This is a benefit I use, not abuse.


does the primary car rental insurance get drop as well?

DoC – Is this also going to impact Chase Saphhire Preferred. Thanks for your blog

Thank the gods I already got $500 back from CSR for my new OLED… but still, this is sad, does it mean we have to pay for things now?


Nice one – CSR just paid for itself with spare-change.

You have to count the opportunity cost here. Personally I think he lost out on the deal. CFU would have gotten him 50% more UR. Citi Doublecash would have gotten him a similar cashback, but also an extra year of warranty.

Citi has 60 days of price protection, Chase had 90 days, so not necessarily.
But I agree that the extra year of protection with Citi is nice. Not necessarily worth it if the $500 lower price was found during days 60 to 90.
Anyway, this is moot now that Chase has dropped it. Sad !

Fairly certain my Marriott and hyatt cards never had return protection, but I could be wrong

wait a minute, does this apply to existing cardmembers ? Do they actually have the right to remove a benefit that was advertised when clients applied to their products ?


They have every right to change the benefits of a card as they see fit.

But what about travel protection for tickets already bought before terms change? I have a trip scheduled for July that I already bought the tickets for.

Thanks. We have two of the CSRs, AF charged 3/1. Tempted to try and cancel the one we didn’t put the trip on (already used 280 of the travel credit).

Depending on when your March statement closed, you be within your right to get a refund. You should be able to get a refund up to 30 days after the statement closing date, not the AF posting, fyi. My experience with 3 or 4 cards and this has been confirmed via SM many times.


Thanks. 36 days ago but that’s okay. I am hoping they don’t implement the changes. Personally, I thought they should put a block on the Black Friday price matching and they would cut down on a ton of abuse.

They already don’t allow PP on blackfriday.

They have to send you a notice of change of terms. And the changes won’t be retroactive. They will only apply to new purchases.

I never used these benefits before in the last 15 years. But I guess people abused it a lot. I guess everybody else will follow Chase and Discover now. Let’s see…..

Crap! I haven’t filed a price protection claim in over 2 years. A lot of people abused it though on Slickdeals (and not just Chase cards)

How is it abuse if they are using it exactly as intended? Are you implying that it’s against the terms to actively/obsessively look for prices below the purchase price post purchase?

Sometimes you can match to price mistakes. I was able to match a Best buy purchase to amazon in store and the guy price matched to the wrong item, saving me an extra $10 on top of the $20 I was already saving. I didn’t feel the need to correct him. This wasn’t on a card, but still the risk of mistakes exist.

Additionally, I will buy something at a local store then price protect to amazon later sometimes. It supports the local store, gets me additional rewards, and requires I file a claim, deposit a check, and I also get the product instantly rather than paying for shipping. You can also do it if the big box store is out of stock somewhere.

Yes using arbitrage tactics at a mass scale IMO is abuse.


I think the biggest issue was actually looking for items priced low, but unavailable / too far, and then buying them locally for a full price and submitting a PP claim after that. At least I’ve been doing it all the time with Walmart local pricing on many items. In essence, this is a kind of an insurance fraud as PP is insurance by its nature and if I buy an item already knowing I would file a PP claim, this contradicts the whole idea of “insurance” as I am essentially constructing the insured event.
Yet it saved me a ton of money over years, so can’t complain…

It’s not fraud if the terms of the coverage specifically allow it. They would need to exclude it in some way, for example by allowing claims only if the price at the cheaper merchant actually dropped, and wasn’t cheaper from the start. This would be very hard for the insurance company to prove, though.

I’ve used Chase, Citi and Discover price protection in the past, but not sure what people are referring to this being abused. If there was a lower price on an identical item within the time period, I’d file a claim. How were people abusing this?

Lots of high-end TVs (e.g. OLED) are listed for insanely low prices at what are known as bait-and-switch retailers. People buy the TV at a legitimate retailer, then make a claim for $500 against the bait-and-switch retailer. The TV is never actually available for sale at the listed price from the bait-and-switch retailer; they’ll claim they need to tack on fees for delivery services, or a different model only available in the USA, etc. But they will verify the listed price if the CC company asks while verifying the price protection claim.

All they had to do is exclude such retailers.

Discover and Citi don’t require the lower priced item to be in stock. Chase, does. I must be guilty then, I’d rather buy something at Amazon and then price match it to the lower priced site that I probably would have never used, but its well within the TOC as long as identical model etc. For instance, when buy a firearm Discover and Citi, before they may or may not have made changes, verbage gone from site, covered firearms in their price protection. If I had my druthers, I’d rather purchase a firearm locally then price match the same item online. Citi even took as long as it was a buy it now price.


Wow, never knew you could actually PP firearms. I know for sure that you can’t PP any automotive items with DFS, but never thought of firearms before… I should give it a try while it is still there…

people actually use Chase Visa return protection?

It’s the price protection I’m not a fan of losing. Just got a $100 check the other day (never abused it though(. Takes a lot of stress out of buying high-priced items. Never used return protection, never needed to.

The idea of return protection is reassuring in specific instances, such as when purchasing clothing from online vendors. The largest sales are usually “no returns allowed” but if something didn’t fit, in theory return protection would cover it. In reality, I found Chase (Card Benefit Services) admistration sketchy – in my limited experience, I made one claim and it was denied for a patently false reason (and of course no appeal is available).

Hell yeah. Return protection is invaluable for all those final sale, no return sales. I even returned a cell phone once. It was like new and I didn’t want to pay restocking fees. I let the return window lapse, and used RP on it. And none of this I’d consider abuse.

I did! And really appreciated it also, especially when dealing with shady merchants who refused returns for legitimate reasons.

Discover has dropped extended warranty, a benefit I used once and it was really nice to have. This is certainly not good. I think we should try to protest this in some way.

Extended warranty is still shown on Discover’s website:

If you login your account you’ll see this banner
“Important Information
Effective February 28,2018, we will discontinue Extended Product Warranty, Purchase Protection and Return Guarantee due to low usage among cardmembers.”

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