Posted by William Charles on November 4, 2017
Credit Cards

Published on November 4th, 2017 | by William Charles

101

Credit Card Price Protection Policies Compared: Chase, Citi, Discover, Barclaycard, U.S. Bank & MasterCard

It’s almost Black Friday & Cyber Monday. People always have questions about the different price protection policies and what is/isn’t covered so here is a comparison post to make things easier for you.

What Is Price Protection?

Price protection is a benefit that some credit card issuers provide to their cardholders at no cost. It allows you to receive a refund if you make a purchase and then see the same identical item on sale for less within a specific timeframe (60-90 days depending on the card issuer).

There are some restrictions and limits on what you can claim, we will explain those below.

What Card Issuers Offer Price Protection?

Before we get started, let’s see what card issuers do/don’t offer price protection

  • American Express: Does not offer price protection
  • Bank of America: Does not offer price protection
  • Barclaycard: Offers price protection on the Arrival Plus
  • Capital One: Does not offer price protection
  • Chase: Offers price protection on the following cards: Chase Sapphire Preferred, Chase Sapphire Reserve, Chase Freedom & Chase Freedom Unlimited. It’s also available on some business cards such as the Chase Ink Plus or Chase Ink Preferred. Update: They seem to offer it on almost all of their cards actually. See comments for more.
  • Citi: Offers price protection, calling it Price Rewind on all personal credit cards. Business & debit cards are not included
  • Discover: Offers purchase protection on all of their credit cards (e. Discover it, Discover it Miles, Discover it Secured)
  • U.S. Bank: Offers price protection (they call it Best Value Guarantee) on the Cash 365 American Express Card
  • Wells Fargo: Does not offer price protection

As you can see Chase, Citi & Discover are the only major card issuers offering price protection. In addition to this MasterCard also offers price protection on some of their cards, but this varies by issuer.

Comparison Table

Chase Citi Discover Mastercard Barclaycard U.S. Bank
Eligible Cards Most Chase cards All personal credit cards All Varies by issuer Arrival Plus (AP) Cash 365 American Express Card
Time covered 90 days 60 days 90 60 days 120 days (AP) 30 days
Minimum claim $1.00 $1.00 $1.00 $1.00 $1.00 $10.00
Maximum claim $500 per claim $500 per item, $2,500 max annually $500 per item, $2,500 max annually $250 per claim, up to four claims per rolling twelve month period $250 per claim, up to $1,000 per year (AP) $250 per claim, up to $1,000 per year
Restrictions Yes, see below Yes, see below Yes, see below Yes, see below Yes, see below Yes, see below
Black Friday Eligible Yes, but not on printed advertisements (see below) Yes Yes No No No
More information Here Here Here Here Here Here

Restrictions

  • Chase:
    • Boats, automobiles, and any other motorized vehicles and their motors, equipment, and accessories
    • Cell phone service agreements and cell phone contracts
    • Items previously owned, sold “as is,” and refurbished items
    • Items purchased for resale, professional, or commercial use
    • Items purchased outside of the United States
    • Jewelry, antiques, collectible items, rare or one-of-a-kind items, special order items, custom items, and tailored items
    • Price differences involving manufacturer and/or merchant rebates, shipping and handling fees, and sales tax, if any
  • Chase also has additional exclusions for printed advertisements. This does not apply to Non-Auction Internet Advertisement :
    • Advertisements for flea markets, fire sales, limited quantity
      promotions, seasonal sales or Auctions
    • Advertisements of sales of seasonal or discontinued items including, but not limited to, holiday decorations, clothes, or costumes
  • Citi
    • Boats, cars, aircraft, or any other motorized land, air or water vehicles and their original equipment. Tires are eligible.
    • Products that can spoil or be consumed, such as food, fuel, or medications.
    • Jewelry including loose gems, precious stones, metals and pearls. Watches are eligible.
    • Tickets of any kind (e.g., for airlines, sporting events, concerts or lottery).
    • Collectable items; including but not limited to, antiques, coins, art, sports memorabilia or stamps.
    • Items purchased for resale use.
    • Plants or animals, including stuffed or mounted animals or fish.
    • Advice or services for a purchased item, such as product installation, labor, maintenance or repair.
    • The lower-priced item requires a service contract, such as cell phones with a service contract.
    • The lower-priced item is offered at no cost, or the lower price includes a bonus, free offer, special financing or a rebate.
    • The lower priced item is a going-out-of-business sale item or from an internet auction site.
    • The item is used, customized, altered, refurbished or secondhand.
  • Discover:
    • 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
  • Mastercard:
    • Any item purchased from an Internet site whose primary purpose is not the sale of the item or related items.
    • Items purchased for resale, rental, professional, or commercial use.
    • Jewelry, art, used or antique items; collectibles of any kind (such as items designed for people to collect or items that over time become collectibles)
    • Recycled, previously owned, refurbished, rebuilt, or remanufactured items. • Customized/personalized, one-of-a-kind, or special-order items.
    • Layaway items; items returned to any store.
    • Any items purchased from an auction.
    • Items for which the printed advertisement or non-auction Internet advertisement containing the lower price was published after sixty (60) days from the date you purchased the item.
    •  Items advertised or shown as price quotes, bids or final sale amounts from a non-auction Internet site.
    •  Items advertised in or as a result of “limited quantity,” “going out-of-business sales,” “close out”, or as “discontinued”.
    • Printed advertisements or non-auction Internet advertisements that display pricing lower than your purchased item due to rebates, special offerings, bonuses, free items/giveaways, manufacturer’s coupons, or special financing.
    •  Professional services, including workmanship, installation, professional advice/counseling, and technical support, or help line.
    •  Plants, shrubs, animals, pets, consumables, and perishables.
    •  Motorized vehicles, including, but not limited to, automobiles, watercraft/boats, aircraft, and motorcycles, or their motors, equipment, or accessories.
    • Land, any buildings (including, but not limited, to homes and dwellings), permanently installed items, fixtures, structures, or home improvement.
    •  Game animals, pets or specimens preserved for display (e.g., fish, birds, reptiles, or mammals).
    •  Traveler’s checks, tickets of any kind (e.g., for airlines, sporting events, concerts, or lottery), negotiable instruments, bullion, rare or precious metals, stamps, and coins, currency or its equivalent.
    • Differences in price due to sales tax, storage, shipping, handling, postage, transportation, and delivery.
    • Differences in price due to foreign exchange rates or fluctuation in foreign exchange rates
  • Barclaycard:
    • Advertisements posted on the Internet.
    • Advertisements of cash-only sales, close-out sales, flea markets, fire sales,
      going-out-of-business sales, limited-quantity promotions, or liquidation sales.
    •  Advertisements of sales of seasonal or discontinued items including, but not
      limited to, holiday decorations.
    • Animals and living plants.
    • Boats, automobiles, and any other motorized vehicles and their motors,
      equipment, or accessories.
    • Cell phone service agreements and cell phone contracts.
    • Items purchased for resale, professional, or commercial use.
    • Jewelry, antiques, and collectible items, rare or one-of-a-kind items, special
      order items, custom items, or tailored items.
    • Manufacturer and/or merchant rebates.
    • Perishables, services, consumables, and limited-life items including, but not
      limited to, rechargeable batteries.
    • Real estate and items which are intended to become part of real estate.
    • Traveler’s checks, cash, tickets, credit or debit cards, and any other negotiable
      instruments.
    • Items purchased outside of the United States.
    •  Items without a manufacturer’s U.S. warranty (warrantable items only).
    • Previously owned, sold “as is,” and refurbished items.
  • U.S. Bank:
    • animals and living plants; one-of-a kind items (including antiques, artwork and furs); limited quantity items; items that the advertisement states can be purchased with cash only; demonstration items; going-out-of-business sales items; “discontinued” items; consumable or perishable items with limited life spans (such as, but not limited to perfume, light bulbs, non-rechargeable batteries); jewelry (including, but not limited to loose gems, precious stones, metals, and pearls); watches; services and additional costs (such as installation charges, warranties, shipping, taxes, or car rentals); rare and precious coins; stamps; used; rebuilt and refurbished items; cellular phones; pagers; tickets of any kind; travelers cheques; motorized vehicles (such as cars, trucks, motorcycles, boats, or airplanes) and their parts; land and buildings; negotiable instruments (such as promissory notes); cash and its equivalent.
    • Any store with an established best guarantee program
    • Price comparisons found on the internet do not qualify

How To File A Claim

Regardless of who you claim with, you’ll always need the same things:

  • Include a copy of the receipt of the item you purchase
  • Include the advertisement you want to watch to

Remember that the items must be identical.

Chase

Citi

Discover

Mastercard

Barclaycard

  • Call 1-800-553-7520 within 10 days of the printed advertisement

Maximizing Your Price Protection

There are a few things you can use to your advantage with price protection, such as:

  • Shopping portal rates
  • Credit card categories

Neither of these discount your items on the receipt, but you will be getting the item at a discount. For example if there are two stores both selling the same item for, one is selling it for $5,000 and the other one is selling it for $5,500 it might make sense to purchase the $5,500 item and use your price protection to get $500 back if the more expensive store is offering a better shopping portal rate or codes more favorably when it comes to credit card rewards.

Our Verdict

As mentioned before, I think Discover provides the best price protection policy (as long as the item you’re purchasing is covered). If you’ve used the price protection feature on your credit card before, please share your experiences in the comments below.



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101 Comments on "Credit Card Price Protection Policies Compared: Chase, Citi, Discover, Barclaycard, U.S. Bank & MasterCard"

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Frank
Frank

There is no such $25 minimum for Citi…

Earl
Earl
James
James

I believe the Chase United MPE has purchase protection as well. Or at least it did when I last filed a claim 🙂

James
James

Oops. I meant “price protection”.

Jessica
Jessica

No $25 for Citi and it’s way easier than the others as long as you register it ahead of time at http://citipricerewind.com They’ll even auto-refund if they detect a cheaper price on the standard major online retailer websites. You can submit receipts and proof of a lower price on their website, no need to pick up the phone.

David
David

I have filed several price rewinds for items not found on http://citipricerewind.com

I have found it much simpler to give them a call and reply to the emails with the advertised price, receipt, and screen shot of credit card purchase.

You can get the form to email/mail to them by logging in, clicking card benefits at the top, and typing a bunch of random numbers/letters in. Once it says it can not find the item it will show you the form to download and fill out.

It will say “If you still can’t find your item, it may not currently be in the Citi Price Rewind database, or it may not be covered by the program. For a list of “what’s not covered”, please see the Guide to Protection Benefits

Remember, if you are able to find a lower price on your own you can download a Reimbursement Request form. Then just follow the instructions on how to fill it out, and mail or fax it to us using the contact information on the form.” The text is hyperlinked on the website.

I have not found away to submit the form through the website when it does not already have the item/price in its database.

David
David

You labeled Citi Card as “no” for Black Friday. Citi Card terms that you link to say “Including special promotions such as Black Friday or door buster sales.”

Yep
Yep

Citi specifically includes Black Friday: “Including special promotions such as Black Friday or door buster sales.”

Ryan
Ryan

Barclay arrival+ has 180 day price protection. I successfully utilized it on a cell phone purchase a couple months ago. Very easy claim process!

Du
Du

From what I know, Chase UA Explorer and Club card, Ritz-Carlton, IHG and Hyatt all provide the same price protection like UR cards do.

David
David

Note that Citi has updated their terms to include Black Friday deals

Dan
Dan

Citi no states, “The lower price must be published on an online retail site or in a printed or online newspaper, magazine, store circular or catalog. Including special promotions such as Black Friday or door buster sales.”

Eddy Cue
Eddy Cue

How doesthe Mastercard price protection? For instance i have a Citi Mastercard – do i have to file through Citi only? or Mastercard only? Or both? I’m a bit confused

Kunal
Kunal

I had got a flight ticket using my Chase Sapphire Reserve Card. They didn’t give me any price protection for that.

Dave
Dave

I’m interested in the Dell Inspiron 15.6″ touchscreen laptop for $349.99 on Best Buy’s BF ad. It’s on the front page “doorbusters” so it probably won’t be online. If I buy it now for $499.99 with Discover (which matches BF prices), I’m worried they won’t match it because the paper ad doesn’t have the product ID number, and it won’t be this price online. Am I pretty much out of luck on this one?

Jay
Jay

Who provided you with the price protection information on Citi’s Price Rewind? Almost everything about it is inaccurate…

1. AFAIK there is no minimum claim, otherwise it must be extremely small…since I’ve gotten automatic price rewinds of less than 50 cents multiple times in the past.

2. It’s obviously explicitly BF-eligible, and even if you didn’t read the T&C, I couldn’t find a single reliable source online that says otherwise. I myself used it for BF last year.

3. I’ve never called any number to file a claim before. You have a few options with Citi:
– If the product is relatively high-demand or widely-carried among retailers, you should be able to find an exact match on the citipricerewind.com database to let Citi automatically track price drops on its database of retailers for you. It’ll let you know when they find a lower price, and at that point you can submit the receipt and claim entirely online through their website.
– If you cannot find an exact match on the citipricerewind.com database, or if the lower price that the database eventually finds isn’t satisfactory enough for you, you can download their price protection form, fill it out electronically, print it, sign it and email (or fax) it. No need to call or send it through snail mail.

c3v
c3v

What is the source of information that BF is not eligible for Chase?

Jeff
Jeff

Does software count service?

Charles
Charles

Is there any price protection that I can make a partial payment and get a refund. Use gift cards to get discounted rate, then pay rest on card, and get the price protection rate when I find cheaper store.

Lucian
Lucian

Same for Chase Sapphire Reserve:

“To be eligible for coverage, you must charge some portion of the item’s purchase price to your Account or use rewards points earned on your Account toward the purchase. You will only be reimbursed up to the amount charged to your Account or the program limit.”

Flying Xplorer

Filed priced protection claim with Citi Prestige and never heard back.

wsamon
wsamon

As far as I can tell from both this article and their website’s information, Citi’s doesn’t seem to include the “purchased in the USA” limitation. Here’s a snippet directly from their site:

“Online registration is not available for international purchases through http://www.citipricerewind.com, but if you find a lower published price within 60 days from purchase date, you can complete a Citi Price Rewind benefit request form to initiate a benefit request”

I’m curious if it would work for when the exact same items are available from the Chinese dropship companies like Gearbest, Geekbuying, etc..

In my particular instance, I’m interested in the Xiaomi Mi robotic vacuum. It’s available on Amazon for $350 – $400, but costs only $280 on Geekbuying right now. Of course, Geekbuying charges $75 in shipping. So I’m wondering if I could get it from Amazon and then have it price matched back to $280 from the Geekbuying site.

charles
charles

That’s exactly what I came here to look up. I’m overseas and would love it for price protection out here. I use Aliexpress a lot, and the prices fluctuate. Did you find anything on that? I’d like to pick one card and only use that for Ali due to price protections.

Dave
Dave

I want to buy a Google Wifi for $270. B+H Photo has it and qualifies for the 5% Visa Savings Edge with my Ink card. But the Chase criteria says that items purchased for “professional” use are excluded from the price protection. My Chase Ink card is for a sole proprietorship home office… would this basically mean that I won’t qualify for price protection?

Jeremy
Jeremy

DP: Chase Ink Cash does not offer price protection.

Gerry
Gerry
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. Chase is easy to file since it can be done online. They payout quite fast for the most part and paper checks are the method of payment. They may be a bit pickier with regards to Ebay, in that they claim even the Buy it Now item is not qualified, but I’ve had some items slip by their claims people. If there are any doubts, there is no harm in filing anyways. Chase allows multiple price matches on an item as long as its within the 90 days. Your cost basis is just reduced by the amount of the previous price match payment. Citibank is similar to Chase in that you can create claim online. The time period is only 50 days, but payment is quite fast and can be a statement credit. 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… Read more »
John
John

Great post, Gerry. Really nice summary/comparison from a personal perspective.
So far I’ve used services from Chase and Citi but hesitated with Discover since with that one you have to call.
Also I like your tactics with Amazon.com and sellers there.

Just FYI, someone made an awesome spreadsheet comparing limitations of price protection services from Discover/Citi/Chase:

https://docs.google.com/spreadsheets/d/10tF3RtC5q6_MwsvJDQ9B5wbPZ-t0SGSbV8hI67nCBuo/edit#gid=0

John
John

Hi Doc,
Like someone pointed out in the comments above (https://www.doctorofcredit.com/price-protection-policies-compared-chase-citi-discover-mastercard/#comment-318582),
The barclaycard also has price protection for World Mastercard (up to $250 within 120 days). The service is not even mentioned in card features on their website.
I found it from here but never tried the service:
World Mastercard® Cardholder Guide (2017 version)
https://www.barclaycardus.com/servicing/img/base/guideBenefits/BAR-5815-8.pdf

kkr
kkr

any idea if chase aarp card offers price matching?

Bill
Bill

I have used Discover Price Protection multiple times and have had nothing but success. After i buy items, i keep them on wish lists for example on Amazon or Macys – and keep an eye on the prices for 90 days – i also use Honey for automation. As soon as i see a price drop, i prepare to file my claim

Frank
Frank

Barclay card does offer price match. https://www.barclaycardus.com/servicing/img/base/guideBenefits/BAR-4667-4_AIR_MX.pdf
The term is not the most generous but it does exist.

Josh Click
Josh Click

Chase is not black friday eligible (needs to be updated in table):

“Price Protection does not apply to:
• Advertisements for flea markets, fire sales, limited quantity
promotions, seasonal sales or Auctions”

Brian
Brian

I use Citi’s Price Rewind benefit regularly and have gotten back $1,000+/year easily for years and will exceed that this year. Couple of points: price protection benefits are an excellent way to support local merchants without paying a premium. (Simply buy local and submit a claim for the cheapest price you can find.) It’s also a great way to strategize for items that may need to be returned and doing so online might be tricky or expensive. Lastly, Citi gives you the option of getting a statement credit, a direct deposit, a physical check or gift cards. Often I just do the statement credit, but when I’m using Double Cash and the refund is substantial I do direct deposit as I don’t believe the statement credit counts as a payment, therefore you lose the 1% back for making a payment.

CongestionCharge
CongestionCharge

Yes I agree, I love the ability to be able to walk to a local retailer and purchase an item and be able to have it immediately for the same price (after price rewind) that I would pay to order it online. Also good point about the Citi DC!

NoonRadar
NoonRadar

I called Citi to inquire about price rewind and they told me that after you submit the receipt online, Citi monitors prices automatically and at the end of the 60 day period will credit you to the lowest price. Or you can also submit something manually, but the manual submission voids the auto-monitoring and auto-crediting.

Do you have any experience with that?

gerry
gerry

The last few purchases were not listed on the list of items, but I find that I am better at monitoring prices. With more than one chance at a price match within the 60 days, there is no harm in filing a claim and then continue to watch and if it goes lower do it again with the adjusted cost basis of course. You are your best advocate for price monitoring, camelcamelcamel.com is useful, along with gosale.com.

Momosan
Momosan

I recently used the MasterCard price protection. They now have a website. http://Www.mycardbenefits.com

It was actually a Barclaycard Cashforward Mastercard, so I can confirm that this particular card works there. I was startled to find that they cut a check rather than post a credit, but that’s was happened.

CongestionCharge
CongestionCharge

Wow thanks, makes my REI MasterCard a lot more attractive.

Vince Wang
Vince Wang

Does the price match only cover the same store where I already made the purchase from? Thanks!

CongestionCharge
CongestionCharge

No, can be any advertised price anywhere, at least for Citi.

gerry
gerry

On a side note about that, for instance if you buy something at Best Buy and you are within the time frame of their price match policy, call them and price match, and then file a claim with your credit card company for a simple double dip. Neither knows what the other side is crediting or price matching.

gerry
gerry

One thing to keep in mind is that you can’t just go to a store and take a picture of the lower price. It must be from an advertised whether in a flyer or online. If you have a discount code, what I usually do is add the item to the cart, add the code and screen shot the final stage of the checkout showing the same item number and final subtotal along with the website address and the date to show them this is the lower price.

CongestionCharge
CongestionCharge

Have you gotten a refund based on using a coupon code? I assumed that didn’t work but would be awesome if it did.

Jeremy
Jeremy

Does MasterCard provide PP on MC Debit cards too?

gerry
gerry

Note that if the lower price of the item includes a free item, then it voids the price protection. You may think that it does not matter, but its a deal breaker. I found an item that offered a free hat with purchase and that sunk by price protection. Fortunately, I was able to get the original seller to price match their lower price within a couple weeks.

Blue
Blue

Interesting…so is there any reason not to buy, say a PS4 for $299 then wait for Black Friday and submit an ad for $189 or $199?

the_shek
the_shek

Pro of waiting until black Friday is you save out on tax, so in TX for example the tax savings on that $100 would be $8.30 approximately

DB
DB

very helpful thanks

Rawls
Rawls

Just so you know, Barclarycard Luxury Cards do offer price protection. Still doesn’t make the AF worth it, but worth nothing.

Mark
Mark

One thing to note is that Discover’s terms require the full purchase price to be put on the card (no dual payment). I haven’t heard of them rejecting a price match for this, but the T&C’s do state this. Other cards just require a partial payment with that card for the purchase to be eligible for price matching.

gerry
gerry

Oh yes, it must be entire amount on Discover card, I used an amazon.com credit I had in my account and it was DQ’d, my fault since I did not read T&C. Other cc’s such as Chase or Citi allow price protection only up to the amount charged on their card.

JF
JF

This seems to be a gray area to me. I’ve read both Citi’s and Chase’s terms and conditions, they both say you will be reimbursed “up to the amount charged to your Account or the program limit.”

Does that mean the maximum reimbursement is equal to the portion of the payment you put on the card, or that the starting point for the price protection is the portion of the payment on the card?

For example, if I buy a $300 item on Amazon and use $100 in gift cards I have, I’m putting $200 on the credit card. If the price drops to $200 later, do I get the $100 back since I paid more than that on the card, or do they consider $200 the starting price eligible for reimbursement since that’s all that got charged to the card…? Sorry for making that confusing.

Gerry
Gerry

With Citi or Chase, if you split payment with amazon gift card then Citi or Chase for the balance, the amount you charge becomes the maximum amount of price protection reimbursement, if it is lower than the preset maximum per item. With regards to the extended warranty benefits, both Citi and Chase require that only a portion of the item be charged to their card. For Discover, maybe I’m a little slow today, but I can’t seem to understand this statement, “Discover Cardmembers receive Extended Product Warranty protection for covered purchases when the entire purchase, less amounts paid with either cash, store credit, gift cards issued by Discover, or other non-card network branded gift cards, is made with your Discover card (or accrued Cashback Bonus or Miles).”

kkkr
kkkr

anyone knows if citi or discover provides price protection with warehouse club prices?
Like i buy something from target and find it cheaper in sams club or costco, will they accept lower price ?

David
David

They match Costco. Friend got the money.

kkr
kkr

Do citi/discover price protect for costco or sams prices?

Gerry
Gerry

Discover, yes. It does mention about membership discounts, but that probably refers to for instance Sportsman’s Guide you pay a yearly fee for lower prices than non members. Sounds like Sams, but they do cover price protection, I did it for a TV. Be careful, since Sams and costco on occasions have their own club specific model numbers which are essentially identical, but with a different model number will make price protection not possible. Come to think about it, I price protected a purchase made at Sams with and ad from Sams. So you may need to confirm that a purchase for example made at walmart price protect to sams or costco.

Charlie
Charlie

I’ve been researching in preparation for some expensive Black Friday purchases. Notably, the Chase Amazon Prime Rewards Card does not have price protection, counter to most other Chase cards.

Susan
Susan

Today I got an email regarding price protection for U.S. Bank Cash 365™ American Express® Card. I haven’t read the details but it looks like US bank also started offering price protection.

http://mycard.usbank.com/credit/offer.do?redirect=shopsecureamex&lang=en

Tyler
Tyler

Particularly for Discover, does using Ebates for cash back void the option of using price protection in the future? As far as I know they have no way of knowing that you actually used Ebates.

Gerry
Gerry

Ebates, Topcashback or couponcabin, only add to your deal, cc’s have no idea which portal is used. On that note, using a store price match like Best Buy, enables you to double dip on the price protection. Call Best Buy to match the better price (I think there price match is only to their prices?) and then initiate Discover price protection.

life_is_to_live
life_is_to_live

In the table, can you add any quantity limitations? I vaguely remember Discover lets you price match three of one product.. ( say 3 ipads). Also if I have multiple chase cards, can I file claim with each one of them? purchase 1 ipad with each card and file seperately? Any information on this topic is helpful.

gerry
gerry

I had an experience with Citi, I bought 3 Beretta 92FS magazines from Beretta and I price matched it to a lower price. The only caveat is that i needed to file 3 different claims, but not a big deal since I just uploaded the same information 3 times.

Jon
Jon

This is helpful. Thanks! I have some multiple items to price match on the same transaction.

reader1234
reader1234

Does anyone know if citi’s price protection plan cover ebay purchases?
Item is NEW and bought with the buy it now option, same retailer, lower price.

Johnny
Johnny

Seems like Chase is now not offering price protection on Black Friday sales for ALL advertisements, not just printed advertisements.

https://www.chase.com/content/chasecom/en/card-benefits/benefit-details/Sapphire_Reserve/sapphire-price-protection.html

Ian Pearson
Ian Pearson

Small correction: Citibank does not offer price protection on their business cards.

https://www.citipricerewind.com/faq#faq1

“Debit cards and Business credit cards are not eligible for this program.”

gosh
gosh

I have used Citi price rewind, Discover and Chase price protection. Each has it’s positives and each can be a pain for certain claims. Citi is weird though:

*If a discover or chase price protection claim has issues, they wont deny the claim. Theyll request more information. For Citi, if they have problems verifying the lower price they will just deny a claim and close it, and not tell you for 30 days. I got a letter dated Oct 27th on Nov. 25th stating a claim was denied. They will not work with you to get the claim approved.

*Citi requires the lower price to be a screenshot of a website. For Discover you can take a picture from an App, but Citi won’t allow that. It is a lot more strict and they will not help you.

*Chase requires me to wait 30 days before filing a claim, because they say they want me to try to get the store to match any lower prices. So I simply wait 30 days before filing any claim. Citi and Discover dont do that.

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