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

Page has now been updated for 2019, if you find any errors please let us know so we can keep this page as up to date as possible.

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

As you can see Citi is the only issuer to offer price protection across all cards from October 31st, 2018 onwards.

Comparison Table

CitiMastercardBarclaycardU.S. BankChase
Eligible CardsAll personal credit cardsVaries by issuerArrival Plus (AP)Cash 365 American Express CardUnited MileagePlus Club Card
Time covered60 days60 days120 days (AP)30 days90 days
Minimum claim$1.00$1.00$1.00$10.00??
Maximum claim$200 per item, $1,000 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$500 per item, up to $2,500 per year
RestrictionsYes, see belowYes, see belowYes, see belowYes, see below??
Black Friday EligibleYesYesNoNoNo


  • Citi
    • Boats, cars, aircraft, or any other motorized land, air or water vehicles and their original equipment. Tires are eligible. (Tires are ineligible as of July 31st, 2018)
    • 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.
    • Tires
  • 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.
    • Tires, watches, firearms, ammunition
    • Lower prices offered through a warehouse club where the merchant requires customers to pay a membership fee
    • 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
  • Barclays:
    • 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
    • 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.





  • 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

Discover used to offer the best price protection benefit, since that was removed your next best option is realistically Citi in most cases.  If you’ve used the price protection feature on your credit card before, please share your experiences in the comments below.

Notify of

oldest most voted

Troy (@guest_1233092)
August 2, 2021 22:01

 William Charles  Chuck BofA Air France KLM card comes with 120 day price protection, max $250/claim max 4 claims/year. Also provides warranty doubling up to 24 months (including warranty purchased at same time as item). Fully impressed with this, wasn’t expecting it – but now it’s my go-to non-bonus international card. No FTF, 1.5 miles/$, $89/yr with 5k mile bonus when you spend $50+ the year prior. Email me if you want a link to scanned terms.

Jags (@guest_1210704)
June 23, 2021 11:37

Just got a replacement Schwab Debit Card and I thumbed through the card benefits and found out it has price protection. Good to know for a strategic purchase (buy on Amazon for free shipping, price match elsewhere, for example). $250/item up to $1000/yr, 4 items/yr.

Jack (@guest_1280815)
November 9, 2021 21:12

I got that too, but when reading the fine print it specifically does not cover “advertisements posted on the internet” 🙁

A lot less useful now.

slowbrake (@guest_1718177)
October 18, 2023 18:00

As of October 2023,

They match internet advertisements.
They go over $250/item – I’ve done 274.99
They go over $1000 – I’m up to nearly $1100 for 2023
They go over 4 items/yr – I’m at 20+ for 2023

JD (@guest_1194308)
May 21, 2021 11:46

FYI – The BBVA Select Credit Card has price protection.

Slowbrake (@guest_1218368)
July 6, 2021 14:41

I do not think this is true anymore, around June 2021.

The documentation at BBVA says they do (BBVA Rewards and BBVA select), but cardbenefitservices says they don’t.

2 BBVA CSRs told me they don’t know what the benefits are. One said call Visa to find out (huh?), another said wait until October when the merger completes.

H (@guest_1049444)
September 5, 2020 18:17

Although issuers stopped having price protection across the board because of those apps and automated claims, quite a few individual products still have them. For example, there is a BoA card that offers it (through Mastercard it seems) but they do not advertise that anywhere in the credit card page. It is explained in the cardholder benefit documents.

Chris (@guest_854813)
December 8, 2019 12:34

REI MasterCard still has price protection as of December 2019

Matthew (@guest_854334)
December 6, 2019 18:11

 William Charles and  Chuck – Just received an email advertising Wells Fargo benefits and they do have price protection:
“Covers the difference in price between a qualifying purchase and a printed advertisement for the exact item for less at any retail store within 60 days of the original purchase date, if the claim is made within 10 days of the printed advertisement. Items must be purchased entirely with an eligible Wells Fargo Visa Signature card and/or as a redemption from your Go Far® Rewards account. Production of itemized receipt required. A maximum benefit amount and certain restrictions and limitations apply. Please review the Visa Signature Guide to Benefits for details.”

slowbrake (@guest_854726)
December 8, 2019 00:12

Great find.

Adding this into my wallet.

Taylor (@guest_853684)
December 5, 2019 15:39

It seems that the U.S. Bank Cash 365 is literally the only card remaining with any price protection. Someone correct me if I am missing some card.

slowbrake (@guest_856211)
December 11, 2019 21:48

This is an odd price protection.

“Price comparisons found on the Internet do not qualify.”
$10 minimum per claim
$250 per item $1000 per year

It’s not administered by Asurion however, that may be worth quite a bit.

slowbrake (@guest_820926)
October 9, 2019 11:58

Called CSR today when stated that the Old Chase Hyatt card ($75 AF) still has price protection (and return protection)

Glad I didn’t upgrade, this goes into the wallet now.

just wondering
just wondering (@guest_814502)
September 25, 2019 01:58

Banks removing price protection and other benefits (purchase protection) to prepare for potential future hyper-inflationary scenario?

Pablo (@guest_811912)
September 18, 2019 23:58

Will this be updated to reflect the removal of Citi Price Rewind after September 22, 2019?