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Update: Some offers mentioned below are no longer available. View the current offers here: Citi Double Cash Card

Did the price on an item you just purchased drop? You’re still in luck if you bought the gift using a credit card that offers price protection. This feature gives you a chance to regain the price difference if an item’s price drops shortly after a purchase is made. Here’s how to save with price protection this holiday season.

Use the Right Card

Many premium credit cards feature price protection — and some no annual fee cards, such as one of our favorite cash-back options, the Citi Double Cash Card, offer the perk. Check the benefits guides for your cards to determine which offer it and what types of purchases are covered. Make sure to save an itemized receipt.

Track Prices

Within a particular time period — dependent on the card’s terms and conditions — you’ll need to find a merchant selling the exact item you purchased at a lower price. A picture taken in store or a screenshot online is usually adequate, but check the claim form to make sure you have what’s needed.

Submit Claims

The time period for filing claims varies greatly across cards. In addition, the process by which you should file a claim varies from issuer to issuer. Check your card benefits guide to ensure you don’t miss out.

Consider Earny

If tracking prices and submitting claims seem like too much hassle, Earny can handle it for you. Earny is an application that scans your email to find purchases from a selection of vendors, searches for lower prices and submits price protection claims on your behalf when lower prices are found.

Featured image by Tetra Images / Getty Images.

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2018 TPG Award Winner: Mid-Tier Card of the Year
Chase Sapphire Preferred® Card

NEW INCREASED OFFER: 60,000 Points

TPG'S BONUS VALUATION*: $1,200

CARD HIGHLIGHTS: 2X points on all travel and dining, points transferrable to over a dozen travel partners

*Bonus value is an estimated value calculated by TPG and not the card issuer. View our latest valuations here.

Apply Now
More Things to Know
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
Intro APR on Purchases
N/A
Regular APR
18.24% - 25.24% Variable
Annual Fee
$95
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Recommended Credit
Excellent/Good

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