Credit Card Price Protection

Discover will refund the difference up to $500 on eligible items if you find a lower price at any store within 90 days of purchase. This 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. Additionally, coverage is limited to three identical items and doesn’t include the cost of taxes, shipping, or handling.

Step 1 – Purchase an item using a Discover card

On November 16th, I purchased a birthday gift for my wife from Neiman Marcus for $358. Since it needed to be delivered by December 3rd, I went ahead and purchased before Black Friday.

Step 2 – Find a lower price within 90 days of purchase

On December 30th, I found the same dress for $239.86 on Neiman Marcus. I took a screenshot for documentation.

Step 3 – Call Discover to file a price protection claim

The following day, I called Discover to file a price protection claim. The price protection department was closed for the holiday, and the representative told me to call back the following week. She provided me with the direct number for the department (1-800-638-8312). By then, the dress was already sold out.

I called Discover again the following Tuesday. The representative asked if I had the following items ready:

Copy of a dated, printed lower-price advertisement
Copy of a dated sales receipt
Discover card statement showing the original purchase

I confirmed that Discover would accept a screenshot for online advertisements. She then provided me with three filing options:

Physical Mail
Email to print out
Online submission

I requested the online submission link (who wants to submit offline?). I received the submission link shortly thereafter.

Step 4 – Submit the claim

I filed the claim online. The process was straightforward:

Login
Product Details
Claim Details
Attach Documents
Review Claim
Confirmation
Check the claim status at Online Claims System

Follow Up

One week later, I received an email from Discover stating that my claim was missing information.

There was no date in my screenshot since it was an online clearance sale. I called Discover support, and the representative instructed me to open a calendar app, highlight the date of the advertisement on the calendar, take a new screenshot with both the advertisement and calendar visible, then resubmit. That was straightforward.