Best Credit Cards for Price Protection

No, Chase Sapphire Reserve doesn't offer price protection. This benefit was discontinued in 2018 and there's no guarantee they will ever reinstate the benefit.

When it was offered, it reimbursed cardholders the difference between the price of a purchased item and a lower advertised price on the same item within the next 90 days. It provided coverage up to $500 per item and $2,500 per year.

The Chase Freedom price protection program was discontinued on 8/26/2018. When it was still available, it reimbursed cardholders when they bought an item with the Chase Freedom and found a better price on the same item in the next 90 days. The card holder got back the difference between the price they paid and the price they found, up to $500 per item and $2,500 per year. There was a bit of fine print, though. It's good to know the specifics of the policy in case it ever comes back. 

Having said that, it is also worth noting that the Chase Freedom credit card is not available to new applicants anymore. But if you are looking for a card with this particular benefit, you can check out some good options offering price protection.

American Express no longer offers price protection on any of its cards. American Express discontinued the price protection benefit, which provided coverage up to $250 per item and $1,000 annually, in 2002. Prior to that, if a cardholder purchased an item with an eligible American Express card and any retailer advertised a lower price for the item within the next 30 days, American Express would have refunded the difference between the purchase price and the sale price.

American Express' lack of a price protection benefit is not uncommon these days, as more and more issuers have dropped the benefit from all of their credit cards. Recent advances in price-tracking technology have led to a dramatic increase in price protection claims, making the benefit too expensive for issuers to sustain.

Yes, Capital One offers price protection. The Capital One price protection benefit reimburses cardholders the difference between the price originally paid for an item and a lower sale price advertised by any retailer within 120 days of the purchase date. Capital One price protection does not cover certain items, such as jewelry, art, auction items, and real estate. For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Capital One Credit Cards With Price Protection

• Capital One Walmart Rewards® Mastercard®
• Capital One SavorOne Cash Rewards Credit Card
• Capital One Quicksilver Cash Rewards Credit Card
• Capital One Quicksilver Student Cash Rewards Credit Card
• Capital One SavorOne Student Cash Rewards Credit Card

To be covered by Capital One price protection, the cardholder must have paid for the item entirely using one of these cards or rewards earned with the card. The coverage has a limit of $250 per item, with an annual limit of $1,000 per account.

To file a Capital One price protection claim, call the Benefit Administrator or visit the card benefits website and request a claim form within 120 days of when the lower price was first advertised. Then, submit the form and any other required documents, such as a copy of the printed advertisement that shows the date of advertisement, an itemized sales receipt, and a copy of the billing statement demonstrating the purchase, within 180 days of when you opened the claim. Refer to your benefits guide for complete details.

Note: Coverage may depend on your account type.

No, Chase doesn't offer price protection anymore. The issuer had largely eliminated price protection on its credit cards in 2018, and then discontinued the benefit altogether in 2020. 

In general, credit card price protection allows cardholders to receive a refund for the difference between an item's original purchase price and a lower price advertised within the following 60 to 120 days. Coverage amounts and excluded items vary, depending on the credit card issuer. 

Issuers That Still Offer Price Protection 

If price protection is important to you, there are still a few issuers that offer it on some of their credit cards. For instance, Capital One offers this benefit on select credit cards, including the Capital One Quicksilver. Bank of America may also offer price protection on certain cards. 

Ultimately, feel free to check some of the best credit cards for price protection to weigh your options.

No, the Chase Freedom Unlimited credit card does not offer price protection anymore. Chase dropped the benefit a while back for most of its cards. 

Generally, credit card price protection allows cardholders to receive a refund for the difference between an item's original purchase price and a lower price advertised within the following 60 to 120 days. Coverage amounts and excluded items vary, depending on the credit card issuer.

Alternative Credit Card Option

If you're looking for a credit card that still offers price protection, you should consider getting the HSBC Elite Credit Card. In addition to price protection, this card offers 50,000 points after spending $4,000 in the first 3 months. Plus, you can earn 1 - 3 points per $1 on purchases. The card's annual fee is $395 and you need excellent credit for approval.

Ultimately, you can check out our editors' latest picks for the best credit cards for price protection available right now on the market and weigh your options.

Barclays no longer offers price protection on any of its cards. Barclays discontinued the price protection benefit, which provided coverage up to $250 per item and $1,000 annually, in November 2019. Prior to that, if a cardholder purchased an item with an eligible Barclays card and any retailer advertised a lower price for the item within the next 120 days, Barclays would have refunded the difference between the purchase price and the sale price.

Barclays's lack of a price protection benefit is not uncommon these days, as more and more issuers have dropped the benefit from all of their credit cards. Recent advances in price-tracking technology have led to a dramatic increase in price protection claims, making the benefit too expensive for issuers to sustain.

First National Bank of Omaha does not offer price protection on any of its cards. In general, credit card price protection allows eligible cardholders to receive a refund for the difference between an item's original purchase price and a lower price advertised within the following 60 to 120 days. Coverage amounts and excluded items vary, depending on the credit card issuer.

First National Bank of Omaha's lack of a price protection benefit is not uncommon these days, as more and more issuers are choosing not to include the benefit on any of their credit cards. Recent advances in price-tracking technology have led to a dramatic increase in price protection claims, making the benefit too expensive for issuers to sustain.

U.S. Bank offers price protection on the REI Credit Card. The price protection benefit reimburses the difference between the price originally paid for an item and a lower sale price advertised by any retailer within 120 days of the purchase date.

The cardholder must have paid for the item entirely using an eligible U.S. Bank card or rewards earned with the card to be covered. The coverage has a limit of $250 per item, with an annual limit of $1,000 per account. U.S. Bank price protection does not cover certain items, such as art, real estate, and customized items.

To file a U.S. Bank price protection claim, call the Benefit Administrator at 1-800-627-8372 or visit the card benefits website and request a claim form within 120 days of when the lower price was first advertised. Then, submit the form and any other required documents, such as an itemized purchase receipt, the billing statement showing the purchase, and a copy of the lower-price advertisement, within 180 days of when you opened the claim. Refer to your benefits guide for complete details.

HSBC offers price protection on the HSBC Elite Credit Card. The price protection benefit reimburses the difference between the price originally paid for an item and a lower sale price advertised by any retailer within 60 days of the purchase date.

The cardholder must have paid for the item entirely using an eligible HSBC card or rewards earned with the card to be covered. The coverage has a limit of $250 per item, with an annual limit of $1,000 per account. HSBC price protection does not cover certain items, such as items purchased for resale, rental, professional, or commercial use.

To file a HSBC price protection claim, call the Benefit Administrator at 1-800-307-7309 or visit the card benefits website and request a claim form within 120 days of when the lower price was first advertised. Then, submit the form and any other required documents, such as a copy of the advertisement, a receipt and a statement showing the item was purchased, and an itemized purchase receipt, within 180 days  of when the advertisement's publication. Refer to your benefits guide for complete details.