Posted by William Charles on February 18, 2019
Credit Cards

Published on February 18th, 2019 | by William Charles


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.

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There is no such $25 minimum for Citi…


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


Oops. I meant “price protection”.


No $25 for Citi and it’s way easier than the others as long as you register it ahead of time at 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.


I have filed several price rewinds for items not found on

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.


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.”


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


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


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.


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


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


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


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?


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 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 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.


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


Does software count service?


Depends. If a software is a one time purchase without subscription, then it is a merchandise, not a service. If a software, for example, anti-virus, is for one-year subscription, then it is counted as a service contract.

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