Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Purchase Protection perks across top credit cards, ranked by estimated value.
| # | Card | Benefit | Value | Annual Fee |
|---|---|---|---|---|
| 1 | The Business Platinum Card from American Express | Purchase Protection | $15/yr | $895/yr |
| 2 |
| American Express Gold Card |
| Purchase Protection |
| $15/yr |
| $325/yr |
| 3 | Bass Pro Shops® CLUB Card | Purchase Assurance | $15/yr | No fee |
| 4 | Business Advantage Travel Rewards World Mastercard® | Purchase Security | Included | No fee |
| 5 | Bank of America Premium Rewards Credit Card | Purchase Protection | Included | $95/yr |
| 6 | Quicksilver Rewards for Good Credit | Purchase Assurance | $15/yr | No fee |
| 7 | Quicksilver Secured Rewards | Purchase Assurance | $15/yr | No fee |
| 8 | Capital One Quicksilver Student Cash Rewards Credit Card | Purchase Assurance | $15/yr | No fee |
| 9 | Capital One QuicksilverOne Cash Rewards Credit Card | Purchase Assurance | $15/yr | $39/yr |
| 10 | Savor Rewards for Good Credit | Purchase Assurance | $15/yr | No fee |
| 11 | Capital One SavorOne Student Cash Rewards Credit Card | Purchase Assurance | $15/yr | No fee |
| 12 | Capital One Platinum Secured Credit Card | Purchase Assurance | $15/yr | No fee |
| 13 | Capital One Spark Cash Plus | Purchase Security | $15/yr | $150/yr |
| 14 | Capital One Spark Cash Select | Purchase Security | $15/yr | No fee |
| 15 | VentureOne Rewards for Good Credit | Purchase Assurance | $15/yr | No fee |
| 16 | Capital One Venture X Business | Extended Warranty Protection | Included | $395/yr |
| 17 | Ink Business Cash® Credit Card | Purchase Protection | $15/yr | No fee |
| 18 | Ink Business Unlimited® Credit Card | Purchase Protection | $15/yr | No fee |
| 19 | Ink Business Premier® Credit Card | Purchase Protection | $15/yr | $195/yr |
| 20 | Chase Sapphire Reserve for Business | Purchase Protection | $15/yr | $795/yr |
| 21 | Hilton Honors American Express Aspire Card | Purchase Protection | $15/yr | $550/yr |
| 22 | IHG One Rewards Premier Business Credit Card | Purchase Protection | $15/yr | $99/yr |
| 23 | Korean Air SKYPASS Visa Signature Business Card | Purchase Security | $15/yr | $99/yr |
| 24 | PenFed Pathfinder Rewards Visa Signature Card | Extended Warranty Protection | Included | $95/yr |
| 25 | United Business Card | Purchase Protection | $15/yr | $150/yr |
| 26 | United Club℠ Business Card | Purchase Protection | $15/yr | $695/yr |
| 27 | Capital One Venture Rewards Credit Card | Purchase Security | Included | $95/yr |
| 28 | AllModern Mastercard | Damage & Theft Purchase Protection | $15/yr | No fee |
| 29 | Blue Cash Everyday Card from American Express | Purchase Protection | $15/yr | No fee |
| 30 | AT&T Points Plus® Card From Citi | Damage & Theft Purchase Protection | $15/yr | No fee |
| 31 | Blue Cash Preferred Card from American Express | Purchase Protection | $15/yr | $95/yr |
| 32 | Bilt Palladium Card | Purchase Assurance | $15/yr | $495/yr |
| 33 | Birch Lane Mastercard | Damage & Theft Purchase Protection | $15/yr | No fee |
| 34 | BMO Escape | Purchase Assurance | Included | $150/yr |
| 35 | BMO Premium Rewards Mastercard® | Purchase Assurance | Included | $95/yr |
| 36 | Hilton Honors American Express Surpass Card | Purchase Protection | $15/yr | $150/yr |
| 37 | Navy Federal More Rewards American Express® | Retail Protection | $5/yr | No fee |
| 38 | American Airlines AAdvantage MileUp | Damage & Theft Purchase Protection | $15/yr | No fee |
| 39 | Citi® Diamond Preferred® Card | Purchase Assurance | Included | No fee |
| 40 | Citi Double Cash Card | Damage & Theft Purchase Protection | $15/yr | No fee |
| 41 | Citi Strata Credit Card | Damage & Theft Purchase Protection | $15/yr | No fee |
| 42 | Dillard’s Mastercard® | Damage & Theft Purchase Protection | Included | No fee |
| 43 | Edward Jones® Everyday Solutions Flex Balance Mastercard® | Purchase Assurance Plus | Included | No fee |
| 44 | Hilton Honors American Express Card | Purchase Protection | $25/yr | No fee |
| 45 | The Hilton Honors American Express Business Card | Purchase Protection | $15/yr | $195/yr |
| 46 | Joss & Main Mastercard | Damage & Theft Purchase Protection | $15/yr | No fee |
| 47 | L.L.Bean Mastercard | Damage & Theft Purchase Protection | $15/yr | No fee |
| 48 | SoFi Credit Card | Purchase Assurance | Included | No fee |
| 49 | Synchrony Premier Mastercard | Purchase Assurance | Included | No fee |
| 50 | Wawa® | Damage & Theft Purchase Protection | $15/yr | No fee |
| 51 | Alaska Airlines Visa Signature Credit Card | Purchase Security | $15/yr | $95/yr |
| 52 | Allways Rewards Visa® | Purchase Security | $15/yr | $59/yr |
| 53 | Prime Visa | Purchase Protection | $15/yr | No fee |
| 54 | Amazon Visa | Purchase Protection | $15/yr | No fee |
| 55 | Atmos Rewards Ascent Visa Signature Card | Purchase Security | $15/yr | $95/yr |
| 56 | Bank of America Customized Cash Rewards Credit Card | Purchase Security | $15/yr | No fee |
| 57 | Bank of America Unlimited Cash Rewards Credit Card | Purchase Security | $15/yr | No fee |
| 58 | Barclays View Mastercard | Purchase Protection | $15/yr | No fee |
| 59 | Atmos™ Rewards Visa Signature® Business Card | Purchase Security | $15/yr | $95/yr |
| 60 | Bank of America® Customized Cash Rewards for Students | Purchase Security | $15/yr | No fee |
| 61 | Susan G. Komen® Customized Cash Rewards | Purchase Security | $15/yr | No fee |
| 62 | Bank of America® Travel Rewards | Purchase Security | $15/yr | No fee |
| 63 | Bank of America® Unlimited Cash Rewards for Students | Purchase Security | $15/yr | No fee |
| 64 | Bank of America Travel Rewards Credit Card for Students | Purchase Security | $15/yr | No fee |
| 65 | Breeze Easy® Visa Signature® | Purchase Security | $15/yr | $89/yr |
| 66 | Chase Sapphire Preferred Card | Purchase Security | $15/yr | $95/yr |
| 67 | Disney Premier Visa Card | Purchase Security | $15/yr | $49/yr |
| 68 | Southwest Rapid Rewards Priority Credit Card | Purchase Security | $15/yr | $229/yr |
| 69 | United Gateway Card | Purchase Security | $15/yr | No fee |
| 70 | Chase Freedom Unlimited | Purchase Protection | $15/yr | No fee |
| 71 | Aeroplan® Card | Purchase Protection | $15/yr | $195/yr |
| 72 | British Airways Visa Signature® Credit Card | Purchase Protection | $15/yr | $95/yr |
| 73 | DoorDash Rewards Mastercard® | Purchase Protection | $15/yr | No fee |
| 74 | Chase Freedom Rise® Credit Card | Purchase Protection | $15/yr | No fee |
| 75 | World of Hyatt Credit Card | Purchase Protection | $15/yr | $95/yr |
| 76 | Instacart Mastercard® | Purchase Protection | Included | No fee |
| 77 | Citi / AAdvantage Business World Elite Mastercard | Purchase Protection | Included | $99/yr |
| 78 | Costco Anywhere Visa® Business | Purchase Security | $15/yr | No fee |
| 79 | Disney® Inspire Visa® Card | Purchase Protection | $15/yr | $149/yr |
| 80 | Disney Visa Card | Purchase Security | $15/yr | No fee |
| 81 | Fidelity Rewards Visa Signature Card | Purchase Protection | Included | No fee |
| 82 | H-D™ H.O.G.™ Elite Visa Signature® | Purchase Security | $15/yr | $99/yr |
| 83 | H-D™ Visa Signature® | Purchase Security | $15/yr | No fee |
| 84 | IHG One Rewards Traveler Credit Card | Purchase Protection | Included | No fee |
| 85 | IHG One Rewards Premier Credit Card | Purchase Protection | $15/yr | $99/yr |
| 86 | The Key Rewards Visa | Purchase Security | $15/yr | No fee |
| 87 | Marriott Bonvoy Bold Credit Card | Purchase Protection | $15/yr | No fee |
| 88 | Marriott Bonvoy Boundless Credit Card | Purchase Security | $15/yr | $95/yr |
| 89 | PenFed Platinum Rewards Visa Signature® Card | Purchase Security | $15/yr | No fee |
| 90 | Southwest Rapid Rewards Performance Business Credit Card | Purchase Security | $15/yr | $299/yr |
| 91 | Southwest Rapid Rewards Premier Business Credit Card | Purchase Security | $15/yr | $149/yr |
| 92 | Southwest Rapid Rewards Premier Credit Card | Purchase Security | $15/yr | $149/yr |
| 93 | State Farm Business Cash Rewards Visa Signature® | Purchase Security | $15/yr | No fee |
| 94 | State Farm Premier Cash Rewards Visa Signature® | Purchase Security | $15/yr | No fee |
| 95 | TD Cash Credit Card | Purchase Security | $15/yr | No fee |
| 96 | TD Double Up Credit Card | Purchase Security | $15/yr | No fee |
| 97 | TD First Class℠ Visa Signature® | Purchase Security | $15/yr | $89/yr |
| 98 | United Club Infinite Card | Return Protection | $15/yr | $695/yr |
| 99 | United Explorer Card | Purchase Security | $15/yr | $150/yr |
| 100 | United Quest Card | Purchase Security | $15/yr | $350/yr |
| 101 | Universal Rewards Plus Visa Signature® | Purchase Security | $15/yr | $99/yr |
| 102 | Universal Rewards Visa Signature® | Purchase Security | $15/yr | No fee |
| 103 | U.S. Bank Altitude Go® Secured Visa® Signature | Purchase Security | $15/yr | No fee |
| 104 | U.S. Bank Altitude Go Visa Signature Card | Purchase Security | $15/yr | No fee |
| 105 | U.S. Bank Business Altitude™ Connect Visa Signature® | Purchase Security | $15/yr | $95/yr |
| 106 | U.S. Bank Business Altitude™ Power Visa Signature® | Purchase Security | $15/yr | $195/yr |
| 107 | U.S. Bank Smartly Visa Signature Card | Purchase Security | $15/yr | No fee |
| 108 | Venmo Credit Card | Purchase Security | $15/yr | No fee |
| 109 | Wyndham Rewards Earner Business Card | Purchase Security | $15/yr | $149/yr |
| 110 | Wyndham Rewards Earner Plus Card | Purchase Security | $15/yr | $95/yr |
| 111 | Wyndham Rewards Earner Card | Purchase Security | $15/yr | No fee |
| 112 | The Platinum Card from American Express | Return Protection | $15/yr | $895/yr |
| 113 | Delta SkyMiles Reserve American Express Card | Return Protection | $15/yr | $650/yr |
| 114 | Ink Business Preferred® Credit Card | Return Protection | $15/yr | $95/yr |
| 115 | World of Hyatt Business Credit Card | Return Protection | $15/yr | $199/yr |
| 116 | Kohl's Rewards® Visa | Return Protection | $15/yr | No fee |
| 117 | SKYPASS Select Visa Signature® | Return Protection | $15/yr | $450/yr |
| 118 | SKYPASS Visa Signature® | Return Protection | $15/yr | $99/yr |
| 119 | Marriott Bonvoy Bountiful Credit Card | Return Protection | $15/yr | $250/yr |
| 120 | Navy Federal Visa cashRewards Card | Return Protection | $15/yr | No fee |
| 121 | Nordstrom Rewards | Return Protection | $15/yr | No fee |
| 122 | Pottery Barn Key Rewards Visa | Return Protection | $15/yr | No fee |
| 123 | Princess® Rewards Visa® | Return Protection | $15/yr | No fee |
| 124 | Southwest Rapid Rewards Plus Credit Card | Return Protection | $15/yr | $99/yr |
| 125 | T-Mobile Visa® | Return Protection | $15/yr | No fee |
| 126 | U.S. Bank Altitude Connect Visa Signature Card | Return Protection | $15/yr | No fee |
| 127 | Verizon Visa Card | Return Protection | $15/yr | No fee |
| 128 | Wells Fargo Active Cash Card | Return Protection | $15/yr | No fee |
| 129 | Wells Fargo Autograph Journey Visa Credit Card | Return Protection | $15/yr | $95/yr |
| 130 | Wells Fargo Reflect Card | Return Protection | $15/yr | No fee |
| 131 | West Elm Key Rewards Visa | Return Protection | $15/yr | No fee |
| 132 | Williams Sonoma Key Rewards Visa | Return Protection | $15/yr | No fee |
| 133 | Gap Good Rewards Mastercard® | Purchase Assurance | $100/yr | No fee |
| 134 | Navyist Rewards Mastercard® | Purchase Assurance | $100/yr | No fee |
| 135 | Destiny Mastercard | Purchase Assurance | Included | $59/yr |
| 136 | Milestone Mastercard | Purchase Assurance | Included | $99/yr |
| 137 | Nibbles Pet Rewards Credit Card | Purchase Assurance | Included | No fee |
| 138 | Reflex Mastercard | Purchase Assurance | Included | $99/yr |
| 139 | Surge Mastercard | Purchase Assurance | Included | No fee |
| 140 | Business Green Rewards | Purchase Protection | $15/yr | $95/yr |
| 141 | Atmos Rewards Summit Visa Infinite Credit Card | Extended Warranty Protection | $15/yr | $395/yr |
| 142 | Bilt Blue Card | Purchase Assurance | $15/yr | No fee |
| 143 | BMO Business Platinum Rewards | Purchase Assurance Plus | $30/yr | No fee |
| 144 | Bank of America® Premium Rewards® Elite | Extended Warranty Protection | $15/yr | $550/yr |
| 145 | Delta SkyMiles Gold American Express Card | Purchase Protection | $15/yr | $150/yr |
| 146 | Delta SkyMiles Platinum Business American Express Card | Purchase Protection | $15/yr | $350/yr |
| 147 | Icelandair Mastercard® | Mastercard Zero Liability Protection | Included | No fee |
| 148 | Capital One Venture X Rewards Credit Card | Purchase Security | $15/yr | $395/yr |
| 149 | Chase Freedom Flex | Extended Warranty Protection | $15/yr | No fee |
| 150 | Chase Sapphire Reserve | Extended Warranty Protection | $15/yr | $795/yr |
| 151 | Citi / AAdvantage Executive World Elite Mastercard | Damage & Theft Purchase Protection | $15/yr | $695/yr |
| 152 | Delta SkyMiles Platinum American Express Card | Purchase Protection | $15/yr | $350/yr |
| 153 | Delta SkyMiles Reserve Business American Express Card | Purchase Protection | $15/yr | $650/yr |
| 154 | JetBlue Plus Card | Purchase Protection | Included | $99/yr |
| 155 | Target Circle Card | Extended Returns | $5/yr | No fee |
