Cards That Still Offer Chase Price Protection & How To Use It

Chase axed this benefit on most of its credit card products — except for this card.
Updated April 12, 2024
Fact checked
checking chase price protection on phone

We receive compensation from the products and services mentioned in this story, but the opinions are the author's own. Compensation may impact where offers appear. We have not included all available products or offers. Learn more about how we make money and our editorial policies.

More consumers are searching for the best credit cards with cash back programs and high-value rewards. In fact, 61% of consumers are most interested in cash back features when considering a credit card, according to a study by Escalent (previously Market Strategies International).

As card issuers look to give cardholders what they want, conventional card benefits are losing ground. A recent example is Chase price protection, which was once offered across many of its card products.

In this article

How does Chase price protection work?

You can take advantage of price drops and get reimbursed the price difference when using Chase credit cards with price protection. The benefit is restricted to a 90-day window from your original purchase date.

If you purchase a Dyson vacuum for $500, for example, and the following month you see a print or online advertisement for the same vacuum priced at $300, you can file a claim to have the $200 difference reimbursed.

However, effective Aug. 26, 2018, Chase discontinued this benefit for a majority of its cards. Thankfully, though, there is still a credit card that offers the benefit.

Chase cards with price protection

Here is the only Chase card that still offers price protection.

Cards with price protection Coverage details* Also offers
United Club℠ Business Card Up to $500 reimbursement per item within 90 days of purchase
  • Extended warranty protection
  • Purchase protection
  • Return protection

*Purchases must be made with your eligible card to qualify. Price protection covers up to $2,500 per year on eligible claims.

Although Chase’s consumer cards, like the Chase Sapphire Reserve®, no longer offer price protection, they still provide benefits, such as Chase purchase protection and extended warranty protection, that are useful to have.

What qualifies for Chase price protection

An item qualifies for price protection if it was bought in the U.S. and at least a portion of the purchase was put on your eligible card. Claims made within 90 days of the original purchase date may be reimbursed up to a maximum of $500 per item. The annual benefit limit is capped at $2,500 per account.

For price-drop advertisements, like cash-only, going-out-of-business, liquidation, and close-out sales, the protection coverage drops to $50 per purchase and $150 per year.

Chase price protection also applies to purchases made using rewards points earned by your account.

What doesn’t qualify for Chase price protection

Before submitting a price protection claim, keep in mind that not all purchases qualify for reimbursement. Purchases that don’t qualify include:

  • Animals and live plants
  • Motorized vehicles, like boats, cars, and their equipment and accessories
  • Cell phone contracts
  • Price-quote advertisements, and bids or final sales from non-auction sites
  • Items returned to a store and layaway purchases
  • Pre-owned, “as is,” or refurbished goods
  • Items purchased for resale, professional, or commercial use
  • Items purchased internationally
  • Jewelry and antiques
  • One-of-a-kind purchases, including special orders, custom goods, and tailored items
  • Manufacturer or merchant rebates
  • Perishables, services, and limited-life goods
  • Price differences for shipping and handling fees, or sales tax
  • Traveler’s checks, cash, tickets, and credit or debit cards

Advertisements that don’t qualify for Chase price protection include ads for flea markets, fire sales, limited quantity, seasonal, discontinued products, or auction sales.

How to submit a claim

To initiate a claim for Chase price protection, you’ll need to do the following:

  1. Ensure the purchased item and price-drop advertisement meet the qualifications above, and the ad was published within 90 days of your original purchase.
  2. Call the Chase Benefits Administrator at 1-888-880-5844 within 21 days of the ad’s date to request an official claim form.
  3. Gather all the necessary documentation to submit with the claim form, including:
    • The original sales receipt
    • The original card receipt showing the purchase was made on your Chase card
    • The original printed or online advertisement showing the item, sale or advertisement date, price drop, and store name
  4. Complete the claim form and include the supporting documentation within 45 days after first requesting the claim form.
  5. Submit a claim online or mail the paperwork to the Benefit Administrator:

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

How will I be reimbursed?

If your claim is approved, your account will be reimbursed up to the portion of the purchase put on the card or up to the protection limit (whichever is less).

Claims will remain open up to 60 days after first initiating a claim. But any claim that can’t be substantiated within 81 days of the price-drop advertisement date will not receive payment.

Non-Chase cards that offer price protection

If your Chase card recently lost this benefit, you're on the hunt for the best rewards credit card that includes this, or you’re looking for other credit cards with price protection, here are a few options to consider.

Frequently asked questions

What is the difference between price protection and purchase protection?

Price protection is about covering a drop in price if an item you buy using a credit card goes on sale within a set period of time. On the other hand, purchase protection is a benefit that is about reimbursing you if your item is stolen or damaged within a certain amount of time.

Both of these benefits have time limits and require that you make purchases with the credit card.

Does the Chase Sapphire Preferred® Card have price protection?

No, the Chase Sapphire Preferred doesn’t have price protection. Chase discontinued the price protection benefit in August 2018. However, the Chase Sapphire Preferred card does come with purchase protection, as well as extended warranty protection.

Does the Chase Freedom Unlimited® have price protection?

No. As with other Chase cards, the price protection benefit was discontinued in 2018. However, the Chase Freedom Unlimited does come with purchase protection and extended warranty protection.

Which Chase credit cards come with purchase protection?

Because Chase regards purchase protection as a general benefit, all Chase cards come with purchase protection — and Chase offers 30 credit cards, so you have many to choose from if you’re seeking this coverage. That said, be sure to double check your specific credit card benefits to confirm the actual terms and conditions as well as the time limits and claim caps.

Which Chase credit cards come with cell phone coverage?

Select Chase cards come with cell phone protection, which is active if you pay your monthly cell phone bill with that specific Chase card. For example, you can get cell phone protection with Ink Business Preferred® Credit Card. This coverage will help cover damage or theft.

However, there are other cards that also offer cell phone protection, including:

Which Chase credit cards come with extended warranty coverage?

All of the Chase credit cards offer extended warranty coverage. So, when you use this card to make your purchase, your coverage will extend out by one year on top of the manufacturer’s warranty. If you think you may need to use this coverage, make sure you read your card’s benefits statement to be sure you understand how to make a claim.

Great for Flexible Travel Rewards


Chase Sapphire Preferred® Card

Current Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Annual Fee


Rewards Rate

5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases

Benefits and Drawbacks
Card Details

Author Details

Jennifer Calonia Jennifer Calonia is a native Los Angeles-based writer and editor with eight years of experience in personal finance. She's passionate about helping others pay off debt, navigate family finance, and use rewards credit cards, responsibly. She's been featured on Forbes, The Huffington Post, Business Insider, Credit Karma, Nerdwallet, and more. To find more information about her work, visit

Want to learn how to make an extra $200?

Get proven ways to earn extra cash from your phone, computer, & more with Extra.

You will receive emails from Unsubscribe at any time. Privacy Policy

  • Vetted side hustles
  • Exclusive offers to save money daily
  • Expert tips to help manage and escape debt