8 Best Credit Cards With Price Protection

Jodie Price

By Jodie Price | Updated October 3, 2025

Finding a credit card with price protection can help someone save money when prices drop after making a purchase. This feature refunds the difference if an item is sold at a lower price later, making it useful for both everyday purchases and larger items. This guide highlights eight of the best credit cards that offer price protection and explains what sets each one apart.

  • Capital One Savor Cash Rewards Credit Card

    The Capital One Savor Cash Rewards Credit Card is designed for people who spend often on dining and entertainment. It offers cash-back rewards that focus on everyday activities like eating out and enjoying events.

    This card also includes purchase protection features, such as price protection, making it useful for those who want extra security on purchases. It combines rewards with practical benefits for regular use.

    Earning Structure:

    • 8% cash back on Capital One Entertainment purchases
    • 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel
    • 3% cash back on dining, entertainment, popular streaming services, and grocery stores (excluding superstores like Walmart® and Target®)
    • 1% cash back on all other purchases

    Welcome Bonus:

    Earn a $200 cash bonus after spending $500 within the first three months of membership.

    Card Details:

    • Annual fee: $0
    • APR: 19.24%–29.24% variable
    • Other benefits: Price protection, purchase security, extended warranty
    • Network: Mastercard
    • Type: Cash-back rewards
    • Foreign transaction fees: None

    Key Benefits:

    • Strong rewards on dining and entertainment
    • Price protection on eligible purchases
    • No foreign transaction fees
    • Extended warranty coverage
    • Simple flat-rate rewards on other spending

    Redemption Options:

    Cash back can be redeemed as statement credits, checks, or applied toward recent purchases.

    Credit Requirements:

    Applicants typically need good to excellent credit for approval.

    Spending Limitations / Potential Drawbacks:

    Rewards are limited if you rarely spend on dining, entertainment, or streaming.

    Why it Works for Beginners:

    It offers simple rewards and valuable protections without complex redemption rules.

  • Capital One Walmart Rewards® Mastercard®

    The Capital One Walmart Rewards® Mastercard® is designed for frequent Walmart shoppers who want to earn rewards on everyday purchases. It focuses on giving higher rewards at Walmart stores and online while also including valuable perks like price protection.

    This card also provides flexible redemption options, making it useful for those who want simple ways to use rewards. It fits best for people who often shop at Walmart and want to maximize those purchases.

    Earning Structure:

    • 5% cash back at Walmart.com, including grocery pickup and delivery
    • 2% cash back at Walmart stores and Walmart fuel stations
    • 2% cash back at restaurants and travel
    • 1% cash back on all other purchases

    Welcome Bonus:

    New cardholders can earn 5% cash back when they shop in Walmart stores within the first year of account opening.

    Card Details:

    • Annual fee: $0
    • APR: 17.99% or 29.99%
    • Other benefits: Price protection up to $250 per claim (max 4 claims/year within 120 days of purchase)
    • Network: Mastercard
    • Type: Rewards credit card
    • Foreign transaction fees: None
    • Additional perks: Fraud coverage and flexible redemption options

    Key Benefits:

    • No annual fee to maintain the card
    • Strong rewards on Walmart.com purchases
    • Extra cash back on dining and travel
    • Flexible redemption choices
    • No foreign transaction fees

    Redemption Options:

    Rewards can be redeemed for statement credits, gift cards, travel, or at checkout with Walmart.com.

    Credit Requirements:

    Applicants typically need good to excellent credit, usually a score of 670 or higher.

    Spending Limitations / Potential Drawbacks:

    Rewards outside Walmart and select categories are limited to 1%, which may not be competitive for everyday spending.

    Why it Works for Beginners:

    It offers simple earning categories and no annual fee, making it easy for new cardholders to manage.

  • Navy Federal More Rewards American Express® Card

    The Navy Federal More Rewards American Express® Card is made for everyday purchases. It offers members a way to earn points on common purchases without extra complexity. Cardholders can use it for dining, groceries, gas, and other expenses. It fits well for those who want a simple rewards card with additional protection benefits.

    Earning Structure:

    • 3x points at restaurants and on food delivery
    • 3x points at supermarkets
    • 3x points on gas and transit
    • 1x point on all other purchases

    Welcome Bonus:

    Earn 20,000 bonus points after spending $2,000 in the first three months of account opening.

    Card Details:

    • Annual fee: $0
    • APR: 14.90%–18.00%
    • Other benefits: Price protection up to $250 per item (max $1,000 per year)
    • Network: American Express
    • Type: Rewards credit card
    • Foreign transaction fees: None
    • Eligibility: Must be a Navy Federal Credit Union member

    Key Benefits:

    • No annual fee to maintain the card
    • Strong rewards on everyday categories
    • Price protection for eligible purchases
    • No foreign transaction fees
    • Access to American Express offers

    Redemption Options:

    Points can be redeemed for travel, merchandise, gift cards, or statement credits.

    Credit Requirements:

    Applicants generally need average to excellent credit for approval.

    Spending Limitations / Potential Drawbacks:

    The card is only available to Navy Federal Credit Union members, limiting access.

    Why it Works for Beginners:

    It offers simple earning categories, no annual fee, and basic protections that make it easy for new cardholders to manage.

  • REI Co-op® Mastercard®

    The REI Co-op® Mastercard® is designed for outdoor enthusiasts who frequently shop at REI. It rewards purchases at the store while also supporting community and environmental initiatives, while also offering added purchase protection features like price protection.

    This card functions as a standard Mastercard, so it can be used anywhere Mastercard is accepted. It provides rewards that tie directly back into REI, making it most valuable for loyal members.

    Earning Structure:

    • 5x rewards on REI purchases
    • 1.5x rewards on all other purchases

    Welcome Bonus:

    New cardholders may receive a $100 REI gift card after their first purchase within the first 60 days of joining.

    Card Details:

    • Annual fee: $0
    • APR: 18.24%–29.24% variable
    • Other benefits include price protection of up to $250 per item (maximum 4 claims per year, totaling $1,000 annually) and extended warranty coverage.
    • Network: Mastercard
    • Type: Store/rewards credit card
    • Foreign transaction fees: None
    • Additional perks: Supports REI community and sustainability programs

    Key Benefits:

    • No annual fee to maintain the card
    • Strong rewards on REI purchases
    • No foreign transaction fees
    • Purchase protection on eligible items
    • Extended warranty on qualifying purchases

    Redemption Options:

    Rewards are redeemed as REI Co-op gift cards, which can be used for gear, apparel, or other REI purchases.

    Credit Requirements:

    Applicants generally need good to excellent credit for approval.

    Spending Limitations / Potential Drawbacks:

    The card’s rewards are limited to REI gift cards, which may not be ideal for those who prefer flexible redemption.

    Why it Works for Beginners:

    It offers simple rewards and no annual fee, making it easy for new cardholders to manage.

  • UBS Visa Infinite Credit Card

    The UBS Visa Infinite Credit Card is a premium travel rewards card designed for individuals who want strong protections and luxury perks. It provides access to Visa Infinite benefits, which include travel credits and purchase protections.

    Cardholders receive a mix of everyday value and travel-focused features. It is less common than other premium cards but still offers competitive rewards and protections.

    Earning Structure:

    • 3 points per $1 on commercial air travel
    • 2 points per $1 on eligible groceries, select digital entertainment, newspapers, and cable TV
    • 1 point per $1 on all other eligible purchases

    Welcome Bonus:

    This card does not offer a welcome bonus.

    Card Details:

    • Annual fee: $650
    • APR: 22.49% variable
    • Other benefits: Price protection up to $500 per item, with a maximum of $1,500 per year
    • Network: Visa
    • Type: Infinite tier
    • Foreign transaction fees: None

    Key Benefits:

    • Price protection on eligible purchases
    • Travel credits for qualifying expenses
    • Airport lounge access
    • Strong purchase protections
    • No foreign transaction fees

    Redemption Options:

    Points can be redeemed for travel, gift cards, merchandise, or statement credits.

    Credit Requirements:

    Applicants typically need excellent credit to qualify.

    Spending Limitations / Potential Drawbacks:

    The high annual fee and limited availability may not suit all users.

    Why it Works for Beginners:

    Beginners who qualify can benefit from strong protections and simple redemption options without worrying about foreign transaction fees.

  • Capital One Spark Cash Select

    The Capital One Spark Cash Select is a simple small business credit card that focuses on cash back rewards. It is designed for business owners who want straightforward earnings without extra complexity, along with helpful protections like price protection.

    It also includes basic business tools that help with managing expenses and tracking purchases. The card is easy to maintain and does not come with unnecessary features that add confusion.

    Earning Structure:

    • Unlimited 1.5% cash back on all purchases
    • 5% cash back on hotels and rental cars booked through Capital One Travel

    Welcome Bonus:

    New cardholders can earn a $500 bonus after spending $4,500 within the first three months of joining.

    Card Details:

    • Annual fee: $0
    • APR: 17.49%–23.49% variable
    • Other benefits: Provides coverage on eligible items purchased with the card
    • Network: Mastercard
    • Type: Business credit card
    • Foreign transaction fees: None

    Key Benefits:

    • No annual fee to maintain the card
    • Flat-rate rewards on all purchases
    • Extra cash back on travel booked through Capital One
    • Free employee cards with customizable limits
    • No foreign transaction fees

    Redemption Options:

    Cash back can be redeemed as statement credits, checks, or applied toward recent purchases.

    Credit Requirements:

    Applicants generally need excellent credit to qualify.

    Spending Limitations / Potential Drawbacks:

    The flat 1.5% rate may not be as rewarding as other cards with higher category bonuses.

    Why it Works for Beginners:

    Its simple earning structure and no annual fee make it an easy choice for new business owners.

  • Capital One Spark Miles For Business

    The Capital One Spark Miles for Business card is designed for owners who want simple travel rewards on every purchase. It provides a flat earning rate that makes tracking rewards easy without needing to manage bonus categories, while also offering protections such as price protection.

    This card also includes travel-focused features that can be useful for frequent flyers. Business owners can use it to earn rewards while covering everyday expenses.

    Earning Structure:

    • 2x miles on every purchase
    • 5x miles on hotels and rental cars booked through Capital One Travel

    Welcome Bonus:

    Earn 50,000 bonus miles after spending $4,500 in the first three months of account membership.

    Card Details:

    • Annual fee: $0 intro for first year; $95 after
    • APR: 25.24% variable
    • Other benefits: Price protection up to $500 per item (max $2,500/year within 60 days of purchase)
    • Network: Mastercard
    • Type: Business credit card
    • Foreign transaction fees: None

    Key Benefits:

    • Flat-rate earning on all purchases
    • Extra rewards on travel booked through Capital One
    • No foreign transaction fees
    • Access to travel and purchase protections

    Redemption Options:

    Miles can be redeemed for travel purchases, transferred to airline partners, or used for statement credits.

    Credit Requirements:

    Applicants generally need good to excellent credit to qualify.

    Spending Limitations / Potential Drawbacks:

    The card charges an annual fee after the first year and does not offer bonus categories beyond travel bookings.

    Why it Works for Beginners:

    Its simple earning structure and flexible redemption options make it easy for new business owners to manage rewards.

  • Capital One Spark Miles Select for Business

    The Capital One Spark Miles Select for Business is a no-annual-fee card that earns simple travel rewards on every purchase. It also includes price protection, giving businesses extra peace of mind on eligible purchases.

    With no extra costs to carry the card, it suits businesses that want steady rewards across varied expenses. It’s a practical choice for owners seeking travel perks and purchase security in one card.

    Earning Structure:

    • 1.5x miles on every purchase

    Welcome Bonus:

    New cardholders can earn a one-time bonus of 50,000 miles after spending $4,500 within the first three months.

    Card Details:

    • Annual fee: $0
    • APR: 17.49%, 20.49% or 23.49% variable
    • Other benefits: Covers damage or theft up to $10,000 per claim ($50,000 total) and doubles manufacturer’s warranty
    • Network: Mastercard
    • Type: Business credit card
    • Foreign transaction fees: None

    Key Benefits:

    • No annual fee to maintain the card
    • Simple flat-rate earning on all purchases
    • Higher rewards for travel booked through Capital One Travel
    • Employee cards at no extra cost
    • No foreign transaction fees

    Redemption Options:

    Miles can be redeemed for travel, gift cards, or statement credits, and can also transfer to airline partners.

    Credit Requirements:

    Applicants generally need good to excellent credit to qualify.

    Spending Limitations / Potential Drawbacks:

    The card does not offer higher earning categories beyond travel and general purchases.

    Why it Works for Beginners:

    Its simple rewards structure and no annual fee make it easy for first-time business card users to manage.

Frequently Asked Questions

What are the eligibility requirements for price protection on Mastercard credit cards?

Mastercard typically requires that the item be purchased in full with an eligible Mastercard to qualify for price protection. The lower price must be advertised within a set time frame, often 60 to 120 days. Exclusions usually apply to items like used goods, closeout sales, and certain online purchases.

What is the typical reimbursement limit for price protection?

Reimbursement limits vary by card, but many fall between $250 and $500 per item. For example, the Capital One Walmart Rewards® Mastercard® offers up to $250 per claim, while the UBS Visa Infinite Credit Card provides up to $500. Annual caps also apply, usually ranging from $1,000 to $2,500.

Can you explain the process for filing a price protection claim with Visa?

Visa cardholders must first check if their specific card includes price protection, as not all do. Eligible individuals must submit a claim form with proof of purchase and the lower advertised price within the specified timeframe. Claims are reviewed by the benefit administrator, and reimbursement is issued if approved.

Which Capital One credit cards offer price protection benefits?

Several Capital One cards in this guide include price protection, such as the Spark Miles for Business, Spark Miles Select, Spark Cash Select, and Savor Cash Rewards. These cards vary in rewards focus but share valuable protections. Cardholders should review benefit details to confirm coverage limits and claim timeframes.

Which business credit cards include price protection?

Business owners can access price protection through several Capital One Spark cards, such as the Spark Cash Select, Spark Miles for Business, and Spark Miles Select. These cards offer flat-rate rewards and important protections for purchases. Coverage details differ, so it’s important to review the guide to benefits for each card.