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  Credit Card Reference

A few credit cards provide "price protection" for anything you buy with the card. If the item you buy drops in price, within the first 60 or 90 days, the credit card company will refund the price difference. You’re even covered, if the lower price becomes available at a different store. Many stores have a similar policy themselves, regardless of the credit card you used to make the purchase.

For example, if you use your Wells Fargo Visa Signatgure card to purchase a microwave at BestBuy for $220, and a few weeks later, the same model goes on sale for $189 at Walmart, Wells Fargo will reimburse you $31.

The main obstacle is that it can be time-consuming to monitor the prices of the items you’ve recently purchased. Fortunately, there are several options that attempt to do much of the work for you.

Taking advantage of these automated price tracking tools makes it much more likely that you’ll take advantage of your card's potentially lucrative “purchase price protection” benefit, and save hundreds of dollars per year.

Several 3^rd party services automate price matching requests, at least for some of your purchases. Once you register, you’ll just start receiving occasional automatic reimbursements, without having to take any additional action. These services include Earny, Paribus, and Sift.

• Each of these services automatically monitors what you purchase, by scanning your email for store receipts, and by logging into your Amazon account on your behalf. If they can identify a receipt AND identify individual products on the receipt that match products in their database, they can automatically track the price of your purchases.
• If they find a lower price at one of their monitored merchants, they will automatically file a reimbursement claim on your behalf.
• All three services file claims directly with the store, if it has a price-drop guarantee. For example, if you buy something at Macy’s, and they can find a lower price, they will ask Macy’s to refund the difference.
• In many cases, the service will automatically send an email from your account, in your name, to the customer service department, to request the reimbursement.
• If you are uncomfortable giving them access to your main email account, you could forward receipts from some merchants to a separate account, or start using a separate email account directly at checkout.
• Because they work by looking at your email, they are primarily useful for products you’ve bought online, rather than at a physical store. However, some physical stores can send you an email-based receipt. Of course, nothing precludes you from manually filing additional claims.
• Each service has a slightly different list of supported merchants, so it can be worthwhile to see if one of them uniquely supports a store that is important to you. Earny supported merchants, Paribus supported merchants, Sift supported merchants.
• To pay for the service, Earny takes 25% of any reimbursements that you receive. Both Paribus and Sift are currently free.

Credit Cards 101

Automatic Protection for the Things You Buy with Your Credit Card

Best Credit Cards for Retail Purchases

TravelStrategies:*Citi Price Rewind and Other Price Matching Services/Page