Does Discover have purchase protection?

Purchase protection is one of the coolest credit card perks out there because it covers your purchases if something happens — like if your laptop or phone breaks or gets stolen. Unfortunately, not all providers offer this perk.

Does Discover have purchase protection?

Discover discontinued this feature on February 28, 2018. But other card issuers still have the perk. For example, all American Express cards, Chase credit cards and Citi credit cards offer purchase protection to its cardholders.

How to use purchase protection

Each card provider requires different steps to use credit card purchase protection. In general, here’s how it goes:

1. Purchase an item with your credit card.
2. Call your card provider or download the form from the website if something happens to your purchase item — either theft or damage in most cases.
3. Send all necessary documents to your provider.
4. Wait for your provider to process the claim.

Who gets to use purchase protection?

This largely depends on the card provider, but in general, all eligible items bought with the credit card or with points are covered under the purchase protection.

Bottom line

Unfortunately, Discover stopped providing purchase protection on February 28, 2018. If this is a feature you need, compare cards that offer purchase protection.

Frequently asked questions

• Does purchase protection cover all purchased items?

  No. In general, there are restrictions and you can’t use purchase protection on items such as firearms, ammo, boats, cars, consumable items, airline tickets or sporting events tickets, watches and jewelry.

• Are items purchased with points eligible for purchase protection?

  It depends on the card issuer, but in general — yes, they are eligible for purchase protection.