Don’t you hate finding a lower price for an item you’ve already purchased? For careful shoppers, there are few things as frustrating as realizing that you could’ve gotten a better deal if you had spent more time looking around for a lower price, or waited until an item had gone on sale.

But with Discover’s Price Protection policy, you’re free to make a qualifying purchase now and, if you find it offered for less within 90 days, get a refund for the price difference.

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How Discover’s Price Protection Policy Works

If you’re a Discover cardholder, you can seek reimbursement for the difference between what you paid for an item and a lower price you find for it within 90 days. It applies to eligible items at any store—so long as you used your Discover card for the entire purchase. There is a reimbursement limit of $500 per item and an annual limit of $2,500 per account. In addition, coverage is limited to three of identical items, and doesn’t include the cost of taxes, shipping or handling.

Eligible items include most purchases, however there are some exceptions, such as services (a haircut or a home-improvement contractor, for example), used items, jewelry, and gift cards. Also, you cannot submit a claim for a price that’s lower due to employee discounts or a going-out-of-business sale. For all of the details, be sure to log in to your Discover card account and view the complete terms and conditions of this policy.

How to File a Price Protection Claim

You can file a Price Protection claim by by contacting Discover at 1-800-DISCOVER (1-800-347-2683). You have 90 days from the date of purchase to file a claim, and then you have another 30 days from that date to submit the required documentation. These documents include:

  • A completed and signed claim form
  • Your Discover card statement showing the original purchase price
  • The sales receipt for the item
  • A copy of a dated, printed lower-price ad. And if the item doesn’t appear in an advertisement, you can submit a signed statement from a store manager on store stationery, documenting the lower price.

After you have submitted the required documents, your reimbursement check will be mailed to you within 15 days.

How to Benefit From the Price Protection Program

Once you understand how this program works, you can benefit from it in several ways. For example, you can purchase eligible items at your convenience with the peace of mind that, if you find a lower price, you can cash in the difference. You can also shop at your favorite retailer where you can enjoy the best service and the most convenient locations, knowing that you’ll have the opportunity to receive the lower price if it’s offered at a different store.

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Legal Disclaimer: This site is for educational purposes and is not a substitute for professional advice. The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service. It does not guarantee that Discover offers or endorses a product or service. For specific advice about your unique circumstances, you may wish to consult a qualified professional.