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Suggestions on a Credit Card for Price Protection & Extended Warranties?

1,976 1,797 February 19, 2018 at 04:58 AM
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Hi everyone,

I haven't been staying too current on credit cards, and I'm looking at picking one up that offers a price protection, extended warranty plan, no yearly fee, and something similar to a free FICO report. I currently am an Amazon Prime member and often use the Prime Visa card through Chase, but this card lacks the price protection and extended warranties, from what I can tell at least. More or less I'm looking for a good card to use on those bigger purchases, such as furniture, televisions, and other expensive electronics that price tends to fluctuate and warranties matter.

I thought I had it narrowed down to a Discover card, Citi card, or the Chase Freedom card, but I recently read in another thread here that Discover is discontinuing those services. It looks like all Citi cards are Mastercards, is that right, and if not is there any reason to limit yourself to 2 Visa cards other than shopping somewhere that may not accept that card type? In addition, any downside to having 2 cards through Chase?

I'm happy to listen to all feedback, as this is an area I'm not too experienced in and attempt to limit the hard pulls on my account. Not to mention, with the recent Discover news and twitter posts, a lot of the online articles and resources I've been reading seem to be outdated, unfortunately.

Thank you to everyone who takes the time to read this thread and offer any feedback!

Ps...I did look over the CC sticky thread, but it doesn't seem to have been kept current.
https://slickdeals.net/f/1863955-credit-card-thread?v=1

I also saw a recent post by Knightshade at the link below.
https://slickdeals.net/forums/showpost.php?p=112037507&postcount=61

Thread about discover discontinuing these services.
https://slickdeals.net/f/11222151-psa-discover-discontinues-extended-product-warranty-purchase-protection-return-guarantee-auto-rental-and-flight-accident-insurance
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7 Comments

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#2
i've had good results with citi doublecash mc. adds 2 years of warranty and price rewind is helpful. 2% (equivalent) flat cash back on everything with no categories to deal with and gives you a fico score every month.
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#3
I would also recommend the Citi Double Cash card. It offers everything you are looking for plus the 2% cash back on all purchases. I cannot recall any business that accepts credit cards that does not take Mastercard. American Express is typically the card businesses choose not to accept.

A possible downside to have multiple cards with one bank is they may spread the credit limit among the three cards. If you really need/want a high credit limit on one card it may be a problem. I routinely have multiple cards with one company and it has not been a problem for me.

I think having a card from all of the major companies is beneficial. They all offer different benefits and perks that are valuable (variety of cash back categories, special deals etc). I would pick a couple of different cards that would be beneficial moving forward and not worry to much about a couple of hard pulls (unless you plan on borrowing a large sum of money in the very near future).
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#4
Thanks to both of you for taking the time to reply and provide your feedback!
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Quote from tresh
:
i've had good results with citi doublecash mc. adds 2 years of warranty and price rewind is helpful. 2% (equivalent) flat cash back on everything with no categories to deal with and gives you a fico score every month.
can you explain how price rewind works?
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Quote from frozencow10
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can you explain how price rewind works?
this may look like a lot of steps, but it's a pretty easy process and doesn't take long, assuming you know how to take a screenshot or save as pdf.

1. make a purchase with the citi card and save the order/invoice screen/email as a pdf
2. log onto your account on citicards.com (or, i think citipricerewind.com works too, but i've always used citicards.com and these steps are based on that)
3. at the top, go to rewards & benefits, card benefits
4. top left, shopping benefits, middle of page, start a price rewind, it should open a new tab/page (going straight to citipricerewind.com may skip straight to here) and may ask which card (if you have more than one)
5. enter product name in the box. it has some items saved; if not, you can add your own
6. submit your order/invoice pdf from step 1 and choose how you want it sent (for double cash, if you choose statement credit you will miss out on the 1% for that amount; i always choose check, which takes an extra day or two for usps)
7. if you find a lower price on your item, take a screenshot and go to step 5, but go to your existing price rewind and submit the new price
8. wait for citi to find a lower price or the time to expire (i've heard 180 days from purchase, but i'm not 100% sure, and i've had them cut checks before 180 days), it should give you an end date for the rewind
9. get paid via your preferred method.

looking at my recent price rewinds, i got 10.96 because i saw a lower price on a vacuum, 30 on a kindle fire, 21.00 on a dryer, and 53.70 on a washer. of those, i submitted the lower prices on the kindle and vacuum, but citi found the lower prices on the washer and dryer. You may occasionally get an email asking for clarification; for example, I picked the wrong card in step 4 and had to re-submit the invoice, but it's pretty straightforward. it also honored a black friday price. i believe other price protections now exclude black friday prices.
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Last edited by tresh February 22, 2018 at 09:26 PM.
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#7
Tresh,Thank you so much for taking the time to write all that. I was just curious though, is there an automated process where you don't do anything and maybe you click a few buttons and it gives you cash back versus you price matching it to some other places where it's lower price?

Thanks! You're so aweosme!

Quote from tresh
:
this may look like a lot of steps, but it's a pretty easy process and doesn't take long, assuming you know how to take a screenshot or save as pdf.

1. make a purchase with the citi card and save the order/invoice screen/email as a pdf
2. log onto your account on citicards.com (or, i think citipricerewind.com works too, but i've always used citicards.com and these steps are based on that)
3. at the top, go to rewards & benefits, card benefits
4. top left, shopping benefits, middle of page, start a price rewind, it should open a new tab/page (going straight to citipricerewind.com may skip straight to here) and may ask which card (if you have more than one)
5. enter product name in the box. it has some items saved; if not, you can add your own
6. submit your order/invoice pdf from step 1 and choose how you want it sent (for double cash, if you choose statement credit you will miss out on the 1% for that amount; i always choose check, which takes an extra day or two for usps)
7. if you find a lower price on your item, take a screenshot and go to step 5, but go to your existing price rewind and submit the new price
8. wait for citi to find a lower price or the time to expire (i've heard 180 days from purchase, but i'm not 100% sure, and i've had them cut checks before 180 days), it should give you an end date for the rewind
9. get paid via your preferred method.

looking at my recent price rewinds, i got 10.96 because i saw a lower price on a vacuum, 30 on a kindle fire, 21.00 on a dryer, and 53.70 on a washer. of those, i submitted the lower prices on the kindle and vacuum, but citi found the lower prices on the washer and dryer. You may occasionally get an email asking for clarification; for example, I picked the wrong card in step 4 and had to re-submit the invoice, but it's pretty straightforward. it also honored a black friday price. i believe other price protections now exclude black friday prices.
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#8
Quote from frozencow10
:
Tresh,Thank you so much for taking the time to write all that. I was just curious though, is there an automated process where you don't do anything and maybe you click a few buttons and it gives you cash back versus you price matching it to some other places where it's lower price?

Thanks! You're so aweosme!
the price rewind is automated, but it doesn't necessarily find every deal. i've had cases where i found a lower price and went to submit it, only to see they had already found it and updated the total. if you want to just let it do its thing, all you have to do is a few clicks to get it started and let it ride. it will go for however long it goes and if it found a lower price, it will pay you however you chose to be paid.
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