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Which Chase credit cards still have price protection?

Look for price protection perk with other card issuers.

Updated . What changed?

Fact checked
Price protection used to be commonplace, but most card issuers have largely eliminated the feature. Chase is no exception. At the moment of writing, not a single Chase credit card offers this perk.

What is Chase price protection?

This feature was used to reimburse you the price difference if you buy an eligible item with a Chase card with price protection, then see the same item selling for less elsewhere. You had 90 days to make a claim and Chase’s benefit administrator would compensate you for the price difference.

You could get reimbursed up to $500 per item and up to $2,500 each year.

Which Chase credit cards still have price protection?

Chase removed price protection from most of its cards in 2018. In 2020 all remaining cobranded credit cards removed this perk.

Does Chase Sapphire have price protection?

Neither the Chase Sapphire Preferred® Card nor Chase Sapphire Reserve® offers price protection. Previously, the cards offered price protection for 90 days after eligible purchases, with a $500 max per item and $2,500 cap per year.

Do the Chase Freedom Flex℠ credit cards have price protection?

As of August 26, 2018, neither the Chase Freedom Flex℠ credit card nor the Chase Freedom Unlimited® credit card offers price protection. Previously, the cards offered reimbursement for price drops up to 90 days after eligible purchases, with a $500 max per item and $2,500 cap per year.

Price protection: Chase vs. other providers

Chase used to let you claim price protection with Internet ads in addition to print ads. Some providers require you to submit print ads.

Unlike some of its competitors, Chase also offered price protection for cash-only, liquidation, close-out and going-out-of-business sales. But the per-item cap for these sales is lower, at $50. And there’s a low $150 overall cap per year.

Secondary price protection

Chase price protection was secondary. This means if the store you bought your item from offers a price-difference refund or guarantee, you must collect from that policy before making a claim with Chase.

Secondary protection is common with credit card issuers. For example, credit card car rental insurance is often secondary, meaning you must make a claim with your personal insurance provider first.

How to use Chase price protection

  1. Buy an eligible item with a Chase card equipped with price protection. Save the itemized receipt.
  2. If within 90 days you see the same item on a printed or non-auction Internet advertisement, call your price protection benefit administrator at 888-880-5844. Do this within 21 days of the advertisement date.
  3. The benefit administrator will send you a claim form. Complete all fields and return the form within 45 days after your request.
  4. Include additional required information and send it to your benefit administrator.

Additional information to include with your claim

  • The original itemized receipt of your purchase
  • The original card receipt proving you made at least part of the purchase with your card
  • The original ad with the relevant item, store name, lower advertised price and date of the ad or sale date
  • Other information requested by the benefit administrator

Mail your claim to this address:

Card Benefit Services
P.O. Box 72034
Richmond, VA 23255

What happens after I submit my claim form?

Your benefit administrator may ask you for more information to support your claim. If so, send the information within 60 days.

If you’ve submitted your claim with all the required information, wait for a decision from the benefit administrator. If your claim is approved, you’ll be reimbursed for the price difference.

Compare Chase credit cards with price protection

Name Product Filter values Cash advance rate Cash advance fee Recommended minimum credit score
United℠ Explorer Card
24.99% variable
$10 or 5% of the cash advance amount, whichever is greater
670
60,000 bonus miles after you spend $3,000 on purchases in the first 3 months from account opening.
United Club℠ Infinite Card
24.99% variable
$10 or 5% of the cash advance amount, whichever is greater
670
Get United Club membership with access for you and two guests at any United Club or Star Alliance lounge -- a value of up to $650 annually.
United℠ Business Card
24.99% variable
$15 or 5% of the cash advance amount, whichever is greater
670
Earn 60,000 miles once after spending $3,000 in your first 3 months.
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Compare up to 4 providers

What’s not covered in Chase price protection?

Certain print advertisements don’t qualify for price protection:

  • Advertisements for auctions, fire sales, seasonal sales, flea markets or limited-quantity promotions
  • Advertisements for sales of discontinued or seasonal products — for example, clothes, costumes or holiday decorations

Items not covered under price protection

  • Animals
  • Living plants
  • Cars, boats or other motorized vehicles
  • Accessories for motorized vehicles
  • Cell phone contracts and service agreements
  • Items with price quotes
  • Items with bids or sale amounts from non-auction websites
  • Layaway items
  • Items returned to a store
  • Previously owned, refurbished and sold-as-is items
  • Items for professional, resale or commercial use
  • Items purchased outside the US
  • Lottery tickets
  • Antiques, jewelry, collectibles, rare items, custom items, special-order items and tailored items
  • Rebates from merchants or manufacturers
  • Services, perishables, consumables and limited-life items — for example, batteries
  • Price disparities from sales tax, rebates, and shipping and handling fees
  • Cash, checks, tickets, traveler’s checks, debit or credit cards, or other negotiable instruments

Who gets to use Chase price protection?

You’re eligible for Chase price protection if you’re an eligible cardholder and your card offers the benefit.

Cards from other providers that offer price protection

Very few providers offer price protection across the board. Instead, you’ll need to look for individual cards with the benefit, and even then your pickings can be scarce.

Here are a few personal credit cards that still offer price protection as of this writing:

With eligible Amex cards, price protection is called Best Value Guarantee.

Note that price protection is not guaranteed in any card, and the benefit can vary between accounts. Issuers remove the perk all the time, so verify with your issuer first before applying for a card.

Bottom line

Like many other issuers, Chase has removed price protection from most of its credit cards. However, you can still find price protection with some credit cards.

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