Recouping Citi’s Lost Travel and Purchase Protection Benefits

Ariana Arghandewal
By Ariana Arghandewal 
Edited by Mary M. Flory

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Citi’s elimination of travel and purchase protections went into effect on Sept. 22, 2019. While these changes were announced well in advance, giving us plenty of time to prepare, some folks may be out of the loop. If you’re concerned about whether and how this affects you, we’ve broken down what this means and which credit cards you should consider switching to if these benefits are important to you.

What’s changing?

On Sept. 22, 2019, Citi discontinued its Price Rewind program, along with removing various travel protections from its credit cards. Below is a list of benefits that are no longer widely available to Citi cardholders, though some cards may retain specific benefits:

  • Trip cancellation and interruption protection (all cards).

  • Worldwide car rental coverage.

  • Worldwide travel accident insurance.

  • Baggage delay and lost baggage protection.

  • Travel and emergency assistance.

  • Roadside assistance dispatch.

  • Trip delay protection.

  • Medical evacuation.

  • Damage and theft purchase protection.

  • Missed ticket protection.

  • 90-day return protection.

  • Extended warranty.

These are pretty essential benefits that helped some cardholders justify paying annual fees because it saved them from having to pay for these protections while traveling. The Price Rewind feature was particularly useful; for example, it helped me save $200 on a new bed earlier this year.

But all is not lost. You can recoup some of Citi’s discontinued travel and shopping benefits by channeling your spending on a different credit card.

Get up to 100,000 bonus points with our favorite Chase cards
Check out our nerdy picks for the best Chase credit cards and find the right card for you.

Other cards to consider

There are lots of rewards credit cards out there that offer travel and purchase protections similar to (or better than) what Citi once did.

Chase Sapphire Reserve®

The Chase Sapphire Reserve® is a strong contender if you’re looking for great travel and purchase protections. The card comes with up to $10,000 worth of trip cancellation/interruption insurance per person. This is maxed out at $20,000 per trip, which is still pretty generous. You’re also covered in case of a delay exceeding six hours, in which case Chase will reimburse you up to $500 per person to cover meals and lodging.

Cardholders also get primary collision coverage when booking a rental car. This coverage can reimburse you up to $75,000 for theft and collision involving a rental car in the U.S. or abroad. That means you can politely decline the overzealous rental car clerk when he calls you “irresponsible” for declining this coverage (true story).

Lost luggage reimbursement is another noteworthy benefit, especially if you find yourself last at the luggage carousel with no bag in sight. Chase will reimburse you up to $3,000 per traveler.

On the shopping front, the Sapphire Reserve protects your purchases for up to 120 days against damage. And if you find yourself unhappy with an item that the merchant refuses to take back within 90 days of purchase, Chase will cover it up to $500 per item ($1,000 per year). Another great benefit is the one-year extension of U.S. manufacturers’ warranties that are three years or less.

The Platinum Card® from American Express

The Platinum Card® from American Express has long been another great alternative to Citi when it comes to travel and purchase protections. The card offers secondary rental car loss and damage insurance, meaning it only kicks in when your own insurance denies coverage. Terms apply.

Cardholders also receive travel accident coverage of up to $500,000 per person and baggage insurance of up to $3,000. There are restrictions and policy variations depending on the state you reside in, so be sure to familiarize yourself with those details before opting not to buy travel insurance.

If you want to make sure your purchases are protected, you’re in good hands with American Express. The Platinum Card® from American Express purchase protection benefit covers up to $10,000 per occurrence and $50,000 per calendar year. Keep in mind that this coverage is secondary. Extended warranty is also included and offers the same $10,000 per occurrence/$50,000 per calendar year coverage. Terms apply.

Bottom line

While it’s unfortunate that Citi has discontinued so many useful travel and purchase protections, both Chase and American Express continue to provide excellent coverage and credit card options. Does that mean you should do away with your Citi cards? Not necessarily. Cards like the Citi Premier® Card offer generous category bonuses, and Citi ThankYou points offer valuable redemption opportunities. Not to mention that the Citi Double Cash® Card now allows conversion of cash back to points.

There is still value in using Citi credit cards for daily spending. But if you’re concerned about protecting your purchases (especially large ones or travel), then you should consider charging those to another credit card.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for:

Travel Cards from Our Partners
Chase Sapphire Preferred Credit Card

on Chase's website

Chase Sapphire Preferred® Card
NerdWallet Rating
Rewards rate


5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.


Intro offer


Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

Chase Freedom Unlimited Credit Card

on Chase's website

Chase Freedom Unlimited®
NerdWallet Rating
Rewards rate


Enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.


Intro offer

Up to $300

Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

Capital One Venture Rewards Credit Card

on Capital One's website

Capital One Venture Rewards Credit Card
NerdWallet Rating
Rewards rate


Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.


Intro offer


Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

See more travel cards