The Ultimate Guide to Credit Cards
Friday, December 13, 2019

15 Best Credit Cards with Price Protection

15 Best Credit Cards with Price Protection

credit card advice

Adam West
By: Adam West
Posted: November 27, 2019

Disclosure: When you apply through links on our site, we often earn referral fees from partners. For more, see our ad disclosure and review policy.

It’s happened to all of us at some point; we think we’ve found the best deal on a new device or gadget we’ve been eyeing, only to see a lower advertised price after we’ve bought it. No worries, that’s what price protection is for, right? But if you’re wondering about the best credit cards with price protection, you may want to start asking a different question.

For years, credit card companies touted their price protection programs — sometimes called price matching, price guarantees, or self-branded programs, such as Citi’s Price Rewind — but many of these so-called secondary benefits are becoming harder to find. Luckily, some cards still offer price protection as part of their benefits package.

Here are some of the cards we recommend that currently offer this popular perk.

Consumer Cards | Business Cards | FAQs

Best Consumer Cards with Price Protection

Prices on consumer goods, especially things like electronic devices, can vary widely among retailers. Between special promotions, online deals, markdowns, and overstocks — it’s enough to make your head hurt.

So, when you’re trying to get the best price on something you want, use a credit card that features a price protection guarantee. That way, if you find a lower price later, you can get reimbursed for the difference.

  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.24% - 25.24% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

The Capital One® Savor® Cash Rewards Credit Card has a lot to offer, including price protection on most purchases made with the card. To qualify for price protection coverage, your purchase must be made entirely with the Savor card or associated points, the item must be purchased new, and it cannot be an auction item.

Coverage is for the difference between the actual purchase cost and the advertised cost, not including taxes or other charges. The lower advertised price must have been posted within 120 days of the purchase, and the items must be identical. Coverage limits are $250 per item, and a maximum of four claims not to exceed $1,000 per year.

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.74% - 25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74% - 25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.74% - 25.74% (Variable)
$0
Excellent, Good

The Capital One SavorOne® Cash Rewards Credit Card is identical to the Savor card in price protection benefits, as both cards are part of the World Mastercard® family. Purchases must be made entirely with the SavorOne card or associated points, and for personal use or as a gift.

No commercial or resale use is covered by purchase protection. The lower advertised price must have been posted within 120 days of purchase, and the items must be identical. Coverage limits are $250 per item, and a maximum of four claims not to exceed $1,000 per year.

EXPERT'S RATING

★★★★
3.6

OVERALL RATING

3.8/5.0
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Average, Fair, Limited

The Capital One® Platinum Credit Card is a card that’s meant for even someone with just a fair credit score, which makes its price protection coverage all the more surprising. Similar to the Savor® and SavorOne® cards, the Capital One® Platinum Credit Card lets you claim reimbursement for items purchased with the card or associated points if you find the identical item advertised at a lower price later.

The only real difference between this card and the other two is the coverage period — in this case, 60 days rather than 120 days from the date of purchase. Coverage limits are still $250 per item, and a maximum of four claims not to exceed $1,000 per year.

4. United Club℠ Card

United Club℠ Card

The United Club℠ Card by Chase is one of the few cards the company offers that still has the price protection feature. If you’ve used your United Club℠ Card for a purchase and find a lower advertised price in print or online within 90 days, you can request reimbursement for the difference.

Price protection coverage is limited to $500 per item and $2,500 per year. To submit a price protection claim, Chase offers both a toll-free number and an online claim submission form.

5. United℠ Explorer Business Card

United℠ Explorer Business Card

The United℠ Explorer Business Card co-branded with Chase is a highly regarded travel card for business travelers. It’s also among the handful of Chase cards still offering a price protection feature.

Purchases made with the United℠ Explorer Business Card are eligible for reimbursement if you find a lower advertised price on the same item within 90 days. Price protection coverage is limited to $500 per item and $2,500 per year.

6. United Club℠ Business Card

United Club℠ Business Card

What’s better than earning rewards on your purchases? Knowing that the price you paid is protected if you find a lower price later. That’s what the United Club℠ Business Card from Chase is made for.

If you find a lower advertised price within 90 days of purchasing an item you bought using the United Club℠ Business Card, you can request reimbursement for the difference. Of course, price protection doesn’t cover commercial expenses or things purchased for resale. Price protection coverage is limited to $500 per item and $2,500 per year.

7. Capital One® Walmart Rewards™ Card

Capital One® Walmart Rewards™ Card

What happens when Capital One and Walmart, the world’s largest retailer, team up to create a rewards credit card? Sure, it’s kind of obvious, the Capital One® Walmart Rewards™ Card.

But what’s even better is that this card also comes with price protection on things you buy everywhere — not just at Walmart. Price protection extends for 120 days from your initial purchase and covers eligible items up to $250 each and up to a maximum of $1,000 a year.

8. U.S. Bank Cash 365™

U.S. Bank Cash 365™ American Express® Card

The U.S. Bank Cash 365™ American Express® Card is a great all-around rewards card that just happens to also have a price protection feature. The card’s Best Value Guarantee is a feature that lets you request reimbursement of the price difference on an eligible purchase made with the card.

Refunds are limited to $250 per item and $1,000 annually. The identical item must be found within 30 days of purchase. U.S. Bank provides a toll-free number to initiate requests, and a printed advertised price is required to claim reimbursement.

9. Wells Fargo Visa Signature® Card

Wells Fargo Visa® Signature

The Wells Fargo Visa Signature® Card is a good card for everyday use, with plenty of extra features for those who use their card frequently. Among them is a comprehensive set of protection features, including price protection.

If you make a purchase with the card and see an eligible item within 60 days advertised for less, you can be reimbursed for the difference. Limits are $250 per item and $1,000 per year, and you must submit a printed advertisement for the exact item from a retail store.

10. HSBC Premier World Elite Mastercard®

HSBC Premier World Elite Mastercard®

The HSBC Premier World Elite Mastercard® is a premium card intended for high net worth individuals who have a banking or investing relationship with HSBC. The perks of carrying this card are numerous, including price protection, of course.

Its price protection is offered as part of the World Elite Mastercard® benefits package. If you purchase something with the HSBC Premier Mastercard and find a lower price on the same item within 120 days, you can be reimbursed for the difference, up to $250. This applies to new items only, and to advertised prices in print. There is a maximum of four claims per cardholder per year.

11. Navy Federal More Rewards American Express® Credit Card

More Rewards American Express® Credit Card

One of the best things about having a credit card from a credit union is the lack of fees. And a great thing about the Navy Federal More Rewards American Express® Credit Card is that it offers price protection as well.

Called the Best Value Guarantee, this price protection program ensures you pay the lowest price on items purchased with your Navy Federal Amex card. To get a reimbursement, you must see a lower advertised price in print within 30 days of making your purchase, and you could be covered for up to $250 of a difference in price.

Best Business Cards with Price Protection

Let’s face it, a business credit card is as important to the success of your business as any tool you use. You need your card to work as hard for your business as you do.

And, sure, rewards are great, but being guaranteed you’re paying the lowest price for what you buy is even better. Price protection programs do just that — guarantee that every eligible purchase you make is protected if you find a lower advertised price later.

BUSINESS CARD RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Limited Time Offer: Earn up to $2,000 in cash bonuses
  • Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.74% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

The Capital One® Spark® series of business credit cards recognize that businesses need to know they’re getting the best price possible. The Capital One® Spark® Cash for Business gives business owners that assurance.

As a Visa Signature® Business Card, your Capital One® Spark® Cash for Business offers price protection on any eligible purchase if you find a lower advertised price within 60 days. Purchases are covered up to $500 each, and up to $2,500 a year per account. The advertised price must be in print, not an internet ad, and must be for an identical item in new condition.

BUSINESS CARD RATING

★★★★★
4.7

OVERALL RATING

4.7/5.0
  • Limited Time Offer: Earn up to 200,000 bonus miles worth up to $2,000 to spend on travel—flights, hotels and more
  • Earn 50,000 bonus miles when you spend $5,000 in the first 3 months and earn 150,000 bonus miles when you spend $50,000 in the first 6 months of your account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles card
  • Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.74% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

Using a business credit card to accumulate miles is a smart move, but getting price protection while doing it is even smarter. The Capital One® Spark® Miles for Business card is another Visa Signature® Card, protecting your purchases of up to $500 if you find a lower price later.

The same restrictions apply, including that the advertised price must be in print, and the comparison item must be identical. Also, price protection only covers items for personal use, not commercial or resale items.

BUSINESS CARD RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that
  • No annual fee
  • Free employee cards, which also earn unlimited 1.5% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 9 months
N/A
14.74% - 22.74% (Variable)
$0
Excellent, Good

The Capital One® Spark® Cash Select for Business is a great business rewards card that has the benefit of no annual fee. As such, the rewards aren’t quite as lucrative as the Spark® Cash card, but it still comes with Visa’s Signature® price protection feature.

Eligible purchases are protected up to $500 each, and there is a maximum coverage of $2,500 per account per year. Be sure to review the restrictions on what is covered and how to claim reimbursement.

BUSINESS CARD RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn unlimited 1.5X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Earn a one-time bonus of 20,000 miles – equal to $200 in travel – once you spend $3,000 on purchases within the first 3 months from account opening
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles Select card
  • Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that
  • No annual fee
  • Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 9 months
N/A
14.74% - 22.74% (Variable)
$0
Excellent, Good

Business owners who don’t mind earning slightly fewer reward miles will appreciate the Capital One® Spark® Miles Select for Business with no annual fee. You get 1.5X miles per dollar spent rather than the 2X for the Spark® Miles for Business, but you still get the same great price protection features that come with a Visa Signature® Business card.

That means purchases are covered up to $500 if you find a lower price within 60 days from the original date of purchase for eligible items, with the same maximum of $2,500 per year.

How Does Price Protection Work?

Price protection or low price guarantees shouldn’t be confused with purchase protection, which covers theft or damage to something you’ve bought with your card. Price protection programs are different in that they’re intended to ensure you’re getting the best price possible.

If you buy something using a card that offers price protection and later find the same item at a lower price, the credit card company will reimburse you for the difference. At least, that’s the theory.

In practice, card companies place a lot of restrictions on what you can claim price protection for and how long you have to file. Each card differs in the window of time for finding a lower price, the amount of coverage per item, even the maximum amount you can claim each year.

Some cards even place restrictions on the type — print vs. internet ad — of advertised lower price you can use in making a claim. There are also plenty of things that are excluded from price protection, and while each card company has its own list, exclusions are pretty consistent.

Commonly excluded items include:

  • Collectables, jewelry, rare and hand-made or custom items
  • Motorized vehicles, including boats, cars, trucks, motorcycles
  • Items purchased for resale or commercial use
  • Cellphones or devices purchased on a contract or as part of a service plan
  • Any pet or live animal
  • Used or refurbished items

But let’s say you’ve got a card that offers price protection and you’ve met the requirements for filing a reimbursement claim. Some card companies — Capital One and Wells Fargo among them — require you to call a toll-free number to request a claim form, complete it, attach all documentation, then send it back.

This is partly in response to the growth in apps that automate price protection submissions, but we can assume that only the most dedicated claimants will follow through on such a lengthy process.

Which Issuers Still Offer Price Protection?

Fewer credit card issuers are offering price protection, a perk that, just a few years ago, was not only common but an advertised feature. Today, many card companies have eliminated their programs altogether, and the ones that remain are offered on just a handful of cards.

The issuers that no longer offer price protection programs are some of the biggest — Discover and Citi have done away with them entirely.

Screenshot of the Citi Price Rewind website

Citi® Price Rewind is no longer offered as of September 2019.

Of the remaining issuers, most offer it on a select handful of cards. And don’t expect to see advertisements for price protection, let alone promotions. If a card does come with this feature, the details will likely be buried in the fine print of your benefits guide.

Some issuers have price protection or price guarantees on a few of their cards only because the card’s network offers the feature. Examples of this are the Visa Signature® and World Elite® Mastercard® networks. There’s also the Elan Cash® Best Value Guarantee program that U.S. Bank offers with its Cash 365® American Express Card.

Chase only offers price protection on its co-branded United Club® and United Explorer® travel reward cards. Similarly, Bank of America offers price protection on just one card, the classic BankAmericard®.

Still, there are other ways to get price protection when you shop. Many retailers will match a competitor’s pricing if you ask.

In fact, some credit card price protection programs stipulate that their benefits are secondary to any store price-matching programs. And, when it comes down to it, these in-store price guarantees are certainly easier to get and less time-consuming than requesting reimbursement from your card company.

How Do I Know if My Credit Card Has Price Protection?

If you’re not sure whether your card offers price protection, you’re not alone. Few cards these days still offer the perk, and even fewer actually advertise or promote it. But just because it isn’t in your card’s promotional material doesn’t mean you’re out of luck.

Screenshot of the HSBC Mastercard Guide to Benefits

Read your credit card’s benefits guide to see if your card has price protection benefits.

Any feature available on a credit card must be listed in the card’s benefits guide. Sure, you may have to search the fine print, but if it’s offered, it will be there. The perk may be called anything from Price Guarantee to Best Value Guarantee, or even the obvious Price Protection, depending on the card issuer.

Price protection may also be a feature your card network offers. The prior examples given — Visa Signature® and World Elite® Mastercard® — are just two of the larger networks you may be covered under.

Finally, if all else fails and you’re unable to determine whether your card has price protection by reading the fine print, call the toll-free number and ask. The customer service reps are trained to answer any and all questions regarding the issuers’ many cards and features.

If price protection is available, they’ll quickly let you know. And if not, ask if it’s offered on any of the other cards they issue.

Get the Best Price on the Things You Buy

When it comes to the benefits and features of a credit card, most of us wouldn’t put price protection at the top of our list. Which, come to think of it, might be another reason this perk is gradually being eliminated.

Still, it is nice to know your credit card company cares that you’re getting the best price on the things you buy. If that peace of mind is important to you, we hope this guide will help you choose a card that satisfies your needs.