I'm looking for the best credit card offer with benefits of extended warranty, price protection, purchase assurance, and satisfaction guarantee.

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Sounds like someone really likes to hunt for bargains! While most credit cards give you plenty of protection at the cash register, a few cards rise above the rest when you need to fight for your consumer rights.

Making any purchase with a credit card gives you added protections and benefits that you simply can't get with cash, checks, or even debit cards. If you're ever unhappy with something you bought with your credit card, talk to the manager or the owner of the retailer where you made your purchase. The process merchants must endure to respond to a credit card dispute has become incredibly time consuming. In addition, merchants that receive too many transaction disputes in a short amount of time can face some severe penalties. Therefore, most vendors would much rather negotiate with you on the spot than deal with your bank.

However, not every vendor will want to play ball. And, sometimes, you're dealing with accidents and acts of fate that even the best retailers' customer service can't resolve. That's why you may want to carry one of these credit cards with the best reputations for purchase protection:

  • PenFed Platinum Cash Rewards Visa® Card: Credit unions, by definition, act with member interests in mind. This card from Pentagon Federal, one of the country's largest nonprofit credit card issuers, combines Visa's own purchase protection policies with its own extensive member service team.
  • Blue Cash Everyday® Card from American Express: American Express operates as a "service company" as well as a lender, so its agents advocate aggressively in favor of their members. This cash-back rewards card offers American Express's legendary purchase protection perks, which can help protect eligible purchases made with the Card against accidental damage or theft for up to 90 days of purchase. Other benefits include extended warranty, return protection and dispute resolution for fraudulent or mistaken charges on your statement. These benefits do have exclusions and restrictions so be sure to read the important information in regard to these benefits on American Express's website. Terms apply. 

Remember that most merchants want to win your loyalty, especially during tight economic times. Politely request price protection and product replacement assistance from a manager before you involve your credit card issuer. It'll make the act of unleashing your card's merchant dispute team even more satisfying if the retailer chooses not to cooperate.


  1. Lamia January 12, 2018 at 9:47 pm

    What about if I get my item stolen abroad, would purchase protection work?
    I%u2019ve been checking in all guides for my credit cards and could find this information anywhere. I am about to go on vacations and I%u2019m wondering if I should just leave my camera home. I read that items bought in the US or abroad are covered but nothing on where the theft has to take place%u2026 I wish credit cards companies were less vague in their rules.
      Reply »  
    1. Brooklyn Lowery January 16, 2018 at 8:07 am
      Thanks for your question. Without knowing specifically which card you're using, I can't say for certain whether items stolen or lost while abroad would be covered. You have a couple of options for tracking down that information: 1. Dig up your Guide to Benefits -- this is the booklet you received when you got your card. If you threw it away, you can search online for your specific credit card and its Guide to Benefits. Note that very similar cards can have very different benefits, so make sure you're looking at the Guide specific to your card and not just any Guide from the issuer. 2. You can call your issuer's customer service line. Representatives there should be able to explain the purchase protection benefit to you for your specific card/account. Have a great time on your trip and here's hoping you don't have to put that purchase protection to use!
        Reply »  
      1. Lamia January 16, 2018 at 11:00 am
        Thank you for your answer I have a Chase Saphhire Preffered and a Bank of america Travel rewards card. I checked in the benefit guides and found nothing.
          Reply »  
        1. Brooklyn Lowery January 16, 2018 at 11:14 am
          That helps some: Here's the link to the Guide to Benefits for Chase Sapphire Preferred - http://bit.ly/2mOTSx1. According to my reading, it doesn't matter where the item was lost or stolen as long as 1. it was purchased within the past 120 days and 2. all or part of it was paid for with your CSP. (among some other terms, of course)As for the BofA card, to the best of my knowledge that card doesn't offer purchase protection. You can certainly call customer service to verify that.In fact, given that this is important to you, please do call both Chase and BofA just to ensure you understand the ins and outs of the programs. You do not want to be counting on something only to find you misunderstood the terms. A quick phone call should suffice.
            Reply »  
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