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Best Credit Cards Offering Price and Return Protection

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Chase is eliminating return and price protections for all of its cards. If these valuable protections are important to you, check out our list of excellent alternatives from Citi, Discover and American Express. Let’s take a look at what each issuer offers before getting into the specific cards.

Citi’s Price Rewind and Return Protections

Citi offers the most benefits, giving cardholders their famous Price Rewind and return protection. With Price Rewind, Citi will reimburse you for the difference in price if you find an item you’ve purchased for less within 60 days.

In fact, Citi goes one step further and actually searches for lower prices on the items you’ve purchased. You just have to register your purchase with the issuer and they’ll do the research. You can get up to $500 back per item.

Citi’s return protection will reimburse you up to $500 per item ($2,500 per year) if a vendor won’t accept a return of an item within 90 day of purchase.

The Citi ThankYou program is great, and the Citi Premier and Prestige cards are excellent options for getting into that program. You can find a complete list of our favorite Citi credit cards here.

Discover’s Price Protections

Discover used to offer return protection, but it recently dropped the benefit. The issuer does, though, still offer price protection.

Discover will refund you up to $500 ($2,500 per year) if you see a lower price on an item you’ve already bought. The claim must be made within 90 days of the purchase.

The Discover it Miles card is our favorite, but the issuer has several other great cards. Check out our complete list of picks.

American Express’ Return Protections

American Express does not offer price protection, but it does give you return protection. Their coverage gives you 90 days to make a claim on an item that a merchant won’t accept as a return. You can get up $300 per item and $1,000 per year.

Among our favorite Amex cards are the Platinum and Business Gold Rewards card. We’ve compiled a complete list of the best Amex cards here.

Flexible Points Credit Cards: Citi’s Price Rewind

If you want a card with purchase protections that also offers flexible rewards, a great sign-up bonus and excellent benefits, these are our picks.

Citi Premier℠ Card

Discover it® Miles Card
How to apply
To apply for this offer please contact
Citibank
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INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
18.24%-26.24%* (Variable)
Annual Fee
$95
Rewards Program
ThankYou®
Bonuses & Rewards
  • + Earn 3 points on Travel, Including Gas Stations
  • + Earn 2 points on Dining Out & Entertainment
  • + Earn 1 points on All Other Purchases
  • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • 60,000 Points are redeemable for $750 in airfare on any airline, anytime with no blackout dates when booked through the ThankYou® Travel Center, or $600 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
  • No Foreign Transaction Fee
  • + Points Transfer allows you to transfer points to participating airline loyalty programs
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The Citi ThankYou program has several excellent airline transfer partners. And the Citi ThankYou Premier card is a great option for using that program. For just $95 a year (first year waived), you’ll get a 50,000-point sign-up bonus, plus 3x points on travel and gas and 2x on dining out and entertainment.

Premium Travel Credit Cards With Purchase/Return Protections

Looking for a premium travel card packed with benefits including purchase protections? Check out our top picks.

Citi Prestige® Card

Discover it® Miles Card
How to apply
To apply for this offer please contact
Citibank
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INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
17.99% - 25.99% Variable±
Annual Fee
$495
Rewards Program
ThankYou®
Bonuses & Rewards
  • + Earn 5X ThankYou points on Air travel and Restaurants, 3X ThankYou points on Hotels and Cruise Lines, 2X ThankYou points on Entertainment (former cardholders only, through 8/31/19), and 1X ThankYou Point per $1 spent on other purchases.
  • + $100 Global Entry fee credit every 5 years
  • + $250 air travel credit
  • You'll get 50,000 bonus points for spending $4,000 within the first 3 months of account opening, equal to at least $500 when redeemed for travel.
  • Complimentary 4th Night Stay: Get your fourth night free with no black-out dates if you book four nights in a row through ThankYou.com or your Citi Concierge, and pay using your card, ThankYou points, or a combination of both. Starting September 2019, this perk is capped at two uses per year; uses before that date don’t count toward the cap.
  • No Foreign Transaction Fee
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The Platinum Card® from American Express

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
N/A
Annual Fee
$550
Rewards Program
Membership Rewards®
Bonuses & Rewards
  • 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel
  • 5x Membership Rewards points on prepaid hotels booked on amextravel.com
  • + Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world
  • + Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More
  • 60,000 bonus points after you spend $5,000 in the first 3 months
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline
  • Terms Apply
  • No Foreign Transaction Fee
  • + Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required
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The Citi Prestige card really shines when it comes to hotel benefits. If you book four consecutive nights through ThankYou.com, you’ll get a free fourth night. That’s an unlimited perk, so you could save a lot of money if you often stay at hotels for four-night stretches.

The Prestige card also comes with Priority Pass lounge access and a $250 air travel credit, among other benefits.

The Amex Platinum outdoes other premium travel cards in just about every way. More airline transfer partners? Check. Better lounge benefits (include the excellent Centurion Lounges)? Check. What about travel credits? It’s got those too, including a $200 airline fee credit and $200 in Uber rides. Plus you’ll get a big 60,000-point sign-up bonus.

Business Travel Credit Cards With Solid Protections

If you’re a small business owner looking for a great card that offers return protection, consider the excellent Amex Business Gold Rewards card.

American Express Business Gold Card

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
N/A
Annual Fee
$295
Rewards Program
Membership Rewards®
Bonuses & Rewards
  • + Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month
  • + 4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.
  • Earn up to $500 back in the form of statement credits by purchasing qualifying services with FedEx using your American Express® Business Gold Card within the first 3 months of Card membership.Limited time Offer ends 11/06/2019
  • 25% Pay with Points Rebate - you'll get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel. It is limited to up to 250,000 points per calendar year.
  • Get up to 1 free year of ZipRecruiter Standard and up to 1 free year of G Suite Basic for up to 3 users, a combined value up to $3,200.
  • Automatic Enrollment in Pay Over Time - a flexible payment option for purchases over $100.
  • No Foreign Transaction Fee
  • + Connect to Quickbooks, access SpendManagerSM, receive a Year­End Summary, and more.
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Not only is the Business Gold Rewards card part of the flexible Membership Rewards program, but it comes with a generous 50,000-point sign-up bonus and excellent earning categories for businesses.

You’ll earn triple points in one category of your choice from the following options: airfare, advertising, gas, shipping or computer expenses (including hardware, software and cloud computing). The remaining categories get 2x points.

Airline Miles Credit Cards With Price Protections

If you’re looking for a card that’s great for air travel, and you want purchase protections, consider the Discover it Miles card. The miles you earn on the card can be used for travel on any airline. Plus it comes with price protection.

Discover it® Miles

Discover it® Miles Card
How to apply
To apply for this offer please contact
Discover Bank
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INTRO APR on Purchases
0% (14 months)
INTRO apr on Balance Transfer
10.99% (14 months)
Regular APR
13.74% - 24.74% Variable
Annual Fee
$0
Rewards Program
Discover it® Miles Rewards
Bonuses & Rewards
  • + Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
  • + No Blackout Dates - fly any airline, stay at any hotel.
  • + Redeem your Miles as a statement credit towards travel purchases.
  • + Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • UNLIMITED BONUS: Discover will match ALL the Miles you’ve earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That’s $700 towards travel! The more you earn, the more you get.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.
  • No Annual Fee
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CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

Discover it® Miles Card
How to apply
To apply for this offer please contact
Citibank
Read Review
INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
17.49%-25.49%* (Variable)
Annual Fee
$99, waived for first 12 months
Rewards Program
AAdvantage®
Bonuses & Rewards
  • + Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases
  • + Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations
  • + Earn 1 AAdvantage® mile per $1 spent on other purchases
  • + Designed for businesses
  • Earn 60,000 Earn 60,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases in first 3 months of account opening*
  • First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line
  • 25% savings on American Airlines inflight Wi-Fi when you use your card
  • Enjoy preferred boarding on American Airlines flights
  • No Foreign Transaction Fees
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The Discover it Miles card is straightforward and simple. You’ll earn 1.5 miles per dollar spent on all purchases, and you can use those miles toward any travel purchases. There are no blackout dates, no restrictions and no special travel partners or websites to worry about.

Discover will also match all of the miles you earn during your first year as a cardholder. That means you’ll essentially be getting an incredible 3% return on all purchases for the first 12 months.

If you’re set on an co-branded airline card—free checked bags can come in handy!—and you fly American often, the Citi / AAdvantage Platinum Select card is a great option. American recently improved this card, too.

You’ll get 60,000 points for signing up, plus double points at restaurants and gas stations, in addition to American Airlines purchases. Of course you’ll get a free checked bag, but you’ll also get a $100 flight discount every year you spend $20,000 on the card.

Bottom Line

If you’re concerned about losing return and price protections with your Chase cards, you have options. Citi, Discover and American Express cards all have one or both of these protections, and their cards have a lot to offer.

Editorial Disclosure: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

UGC Disclosure: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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