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Does Citi have purchase protection?

Get up to $10,000 in coverage for eligible purchases.

Some cards from Citi come with purchase protection. This is a perk that offers reimbursement, replacement or repairs for eligible items purchased with your card that are damaged or stolen.

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Does Citi have purchase protection?

Yes. Most Citi credit cards still offer this perk. Depending on the card, most come with 90 to 120 days coverage on up to $1,000 per claim or $10,000 per claim, and up to $50,000 per calendar year.

This coverage is better than Visa Signature cards that have standard coverage of $500 per claim.

Note: Some reports say that this perk is no longer available on Citi® Double Cash Card.

How to use Citi purchase protection

Citi purchase protection is automatically activated every time you use your eligible credit card. Here’s how it works:

  1. Make an eligible purchase with your Citi credit card.
  2. Call 866-918-4670 to get a claim form or download a claim form from
  3. Submit the completed form along with any additional documents within 180 days of the occurrence.
  4. Wait for your claim to be processed.

Compare Citi credit cards with purchase protection

Some credit cards may no longer offer this perk. Be sure to check with the provider before you apply.

1 - 3 of 10
Name Product Filter values Rewards Purchase APR Annual fee
Citi Custom Cash℠ Card
5% cash back on purchases in your top eligible spend category each billing cycle on up to the first $500 spent, then 1% cash back thereafter and on all other purchases
0% intro for the first 15 months (then 16.99% to 26.99% variable)
A unique cashback card that automatically awards 5% to your highest eligible spending category each billing cycle, on up to $500 (then 1%).
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
15.49% to 25.49% variable
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
Citi® Diamond Preferred® Card
0% intro for the first 12 months (then 16.74% to 26.74% variable)

Best of Finder 2021

One of the longest intro APRs on balance transfers at 21 months and a solid 12 months on purchases make this one of the top 0% intro APR cards available.

Compare up to 4 providers

Citi credit cards with purchase protection

With most Citi credit cards that offer purchase protection, you’ll get the same amount coverage. The only difference is with the Costco card.

Purchase protectionAnnual feeOther benefits
Citi Prestige® Credit CardUp to $10,000 coverage per claim, up to $50,000 per account per year.$495
  • ThankYou points
  • Signup bonus
  • Priority Pass lounge access
  • $250 travel credit each year
  • TSA PreCheck or Global Entry fee credit
Citi Premier® CardUp to $10,000 coverage per claim, up to $50,000 per account per year.$95
  • ThankYou points
  • Signup bonus
  • Points transfer to partner airlines
  • No foreign transaction fees
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®Up to $10,000 coverage per claim, up to $50,000 per account per year.$0 for the first year, $99 after that
  • American Airlines miles
  • Signup bonus
  • First checked bag free
  • Preferred boarding
American Airlines AAdvantage MileUp℠ CardUp to $10,000 coverage per claim, up to $50,000 per account per year.$0
  • American Airlines miles
  • Signup bonus
  • 25% savings on in-flight purchases of food and beverages
Costco Anywhere Visa® Card by CitiUp to $1,000 coverage per item, $50,000 per year.$0 with Costco membership
  • Cash back
  • No foreign transaction fees
Citi® Double Cash CardX$0
  • Cash back
  • Intro APR period on balance transfers

Who gets to use Citi purchase protection?

All cardholders of eligible Citi credit cards get to use this perk.

Bottom line

Purchase protection is one of the best features you can get with a credit card. It costs nothing extra to use this perk and you get between $1,000 and $10,000 coverage per claim, depending on your card.

But if none of the Citi credit cards seem appealing enough, consider other cards with purchase protection.

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