Credit card price protection
Most big card issuers dropped price protection between 2018 and 2020. Capital One still offers it on its Discover-network Venture, Savor and Quicksilver cards (120 days, up to $250 an item), and a few others, like some Wells Fargo Visa Signature cards, still do. Your card's Guide to Benefits is the final word.
Which cards still have it
| Capital One (Discover network: Venture, VentureOne, Savor, SavorOne, Quicksilver, QuicksilverOne) | Offered 120 days $250 per item, $1,000 a year, after any store guarantee Call 1-844-288-2140 within 10 days of seeing the lower ad, then return the claim form within 20 days. Source |
|---|---|
| Capital One (other networks) | Some cards Check your Cardholder Benefits Guide. Mastercard: mycardbenefits.com or 877-288-6784. Visa (Signature Business and Infinite Business): cardbenefitservices.com or 800-825-4062. Source |
| Chase, Citi, Discover and most others | Dropped on most cards (widely reported, 2018 to 2020; third-party source) Check your own card's Guide to Benefits in case yours is an exception. Some Wells Fargo Visa Signature cards still list it. Source |
How to claim on your card
- Find a printed or online (non-auction) ad showing the lower price, with the date, store and model number.
- Keep your receipt and card statement showing the purchase on that card.
- File within the deadline in your Guide to Benefits, usually through the card network's benefits administrator, not the bank.
Try the store first
Capital One's benefit applies after any store guarantee. These US stores refund a later drop in their own price, shortest window first:
- J.Crew (7 days)
- Newegg (7 days)
- Bloomingdale's (10 days)
- Macy's (10 days)
- Nordstrom (10 days)
- Academy Sports + Outdoors (14 days)
- Apple (14 days)
- Athleta (14 days)
- Banana Republic (14 days)
- Gap (14 days)
- IKEA (14 days (90 for members))
- JCPenney (14 days)
- Kohl's (14 days)
- Nike (14 days)
- Office Depot and OfficeMax (14 days)
- Old Navy (14 days)
- REI (14 days)
- Staples (14 days)
- Target (14 days)
- Best Buy (15 days (60 for members))
- Samsung.com (15 days)
- Costco (30 days)
- Dell (30 days)
- The Home Depot (30 days)
In the UK
Check your own card's terms for any price protection before relying on it.
Sources
- https://ecm.capitalone.com/WCM/card/discover-gtb_english-web.pdf
- https://www.capitalone.com/help-center/credit-cards/card-network-benefits/
- https://upgradedpoints.com/credit-cards/credit-card-price-protection-policies/
Ask Price Drop Back yourself
Enter your store and purchase date to see the store's deadline alongside Capital One's 120-day window. Open Price Drop Back, free, no sign-up.
In Claude or any app that takes MCP connectors, add https://goodturn-mcp.pages.dev/pricedropback/mcp and ask: “Does my credit card have price protection?”