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Compare credit cards with return protection

Return an item even if the merchant won’t take it back.

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
EXCLUSIVE
Neo Financial Credit Card
Get $25.00
Average 5% cash back
19.99% - 24.99%
$0
Min. recommended credit score: 600
Get $25.00 when you apply for the Neo Financial Credit Card. Plus, earn an average 5% cashback at thousands of partners and at least 1% cashback guaranteed.
Finder Award
OFFER
HSBC +Rewards Mastercard
30,000 Points
2x points per $1 spent
11.9%
$0 annual fee for the first year ($25 thereafter)
Min. recommended credit score: 630
Get 30,000 Points (up to $150 in value) when you spend $2,000 in the first 6 months. Plus, get the 1st year annual fee waived for the primary cardholder ($25 value). Apply by April 4, 2022.
Tangerine World Mastercard
15% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn an extra 15% cash back (up to $150) on up to $1,000 of everyday purchases in the first 2 months Until January 31, 2022. Plus, get a 1.95% interest rate on balance transfers for the first 6 months (valid within the first 30 days of account opening, 1% transfer fee applies).
BMO Preferred Rate Mastercard
3.99% rate on balance transfers for 9 months
N/A
12.99%
$20
Min. recommended credit score: 660
Get a rate of 3.99% on balance transfers for 9 months with a 1% transfer fee. Plus, get the $20 annual fee waived in the first year.
Tangerine Money-Back Credit Card
15% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn an extra 15% cash back (up to $150) on up to $1,000 of everyday purchases in the first 2 months Until January 31, 2022. Plus, get a 1.95% interest rate on balance transfers for the first 6 months (valid within the first 30 days of account opening, 1% transfer fee applies).
Brim Mastercard
Up to $200 worth of bonuses
1 point per $1 spent
19.99%
$0
Min. recommended credit score: 700
Earn up to $200 worth of bonus points when you shop with Brim retailers for the first time through the Brim mobile app.
Simplii Financial Cash Back Visa Card
10% cash back
Up to 4% cash back
9.99% intro APR for the first 6 months, 19.99% thereafter
$0
Min. recommended credit score: 650
Get 10% bonus cash back at eligible restaurants and bars for the first 4 months (up to $500 spend). Plus, get a 9.99% introductory annual interest rate on purchases for the first 6 months.
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Compare up to 4 providers

When you miss a merchant’s return deadline policy, it can feel like you’re out of options. But if you bought the item with a credit card with return protection, you could return the item even if the merchant won’t accept it.

What is return protection?

Return protection gives you to option to return an item you purchased with your card, usually up to 90 days. You’ll be reimbursed by the credit card company, even if the merchant won’t accept the return. This features is free, but not all cards provide this and some can offer limitations, so read the find print.

How can I use this feature?

Using return protection slightly varies between card providers, but in general, here’s how it works:

  1. Buy an eligible item with a credit card with return protection.
  2. If you change your mind, check with the merchant whether you can return the item.
  3. If not, you have 90 days to call your credit card benefit administrator and ask for a claim form.
  4. Fill out the claim form and submit it along with other required documents, including receipts of the purchase.
  5. Wait for customer support to reach out to you and provide further instructions.

Note: To be eligible for return protection reimbursement, the item must be in like-new condition.

Who gets to use return protection?

The main cardholder and sometimes the authorized users who have made the purchase entirely with their eligible credit card can use this feature.

Purchases not eligible for return protection

Some purchases are not eligible for return protection. They usually include:

  • Animals and living plants.
  • Boats, aircraft, automobiles and other motorized vehicles and their motors, equipment, or accessories.
  • Cash, bullion, traveler’s checks, tickets, credit or debit cards and other negotiable instruments.
  • Computer software.
  • Damaged and nonfunctional items.
  • Formal attire including cocktail dresses, tuxedos, gowns and formal accessories.
  • Items purchased for resale, professional or commercial use.
  • Items purchased outside of Canada.
  • Items that have been altered.
  • Jewelry, art objects, rare or precious coins or stamps, antiques and collectible items.
  • Medical equipment.
  • Perishables, consumables and limited-life items including rechargeable batteries.
  • Real estate, and items which are intended to become part of real estate including items that are hard-wired or hard-plumbed, garage doors, garage door openers and ceiling fans.
  • Seasonal items including, but not limited to, holiday decorations

Bottom line

Return protection is useful for expensive purchases with a short return policy. If you fill out the proper forms, your credit card provider can reimburse you for the item even if the merchant your bought it from won’t.

But if you don’t think you’ll use credit protection, compare credit cards to find the right fit for your wallet.

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