Discover is Ending Many Card Benefits in Early 2018

Discover announced that, starting February 28th, will be the last day to take advantage of certain card features including purchase protection, return guarantee, extended product warranty, auto rental insurance, and flight accident coverage.

These features are pretty common amongst the major credit card brands and it seems like a strange move to slash 5 of them in the same year, but that is what Discover it doing. Through multiple other resources the reason seems to be that “prolonged low usage” seems to be the reason, and therefore these benefits will be cut from their entire lineup of cards.


Discover Benefits Ending in 2018


Extended Warranty – Coverage ends for purchases made after February 28, 2018.

Purchase Protection – Last day to make claims will be July 13th, 2018.

Return Guarantee – No claims can be made after May 29, 2018.

Auto Rental Insurance – No claims can be made after May 29, 2018.

Flight Accident Insurance – No purchases made for flight purchases made after February 28, 2018.


Now, before you think all is lost, Discover is still keeping their price protection feature. Which allows you to search for a lower advertised price, for up to 90 days after you make a purchase, and they will refund you the difference.


What Should Current Discover Cardholders Do?


As a current Discover cardholder, you need to decide how important these features are for you. Clearly if you are someone that utilizes any of these features on a regular basis you should look for a replacement card. But Discover has received high ranks for customer service and their Discover it Cashback Match product has certainly made its mark in the cash back credit card market as one of the best options available.

Many of these features that are going to be ending are on the “You don’t know you need them until you do” level, which might cause for a headache for current cardholders who don’t get the news of their discontinuation until after something happens. Many Visa Signature and most Mastercards still offer auto car rental insurance, extended warranties, and travel insurance. With most American Express Cards still offering the same as well as purchase protection.

It’s important to note that while Discover is making the news now for slashing some of their card benefits, they are not the first, or will they be the last one to do so. Visa, MasterCard, and American Express have all cut benefits at some point.  And just as soon as you see benefits start to disappear, they could come back with new benefit offers in the near future. This is why it is always important to read the fine print on any credit card application before committing. We assume this is all part of the cyclical game that the credit card companies play to maximize their customer base and keep people wanting their products more. It will be interesting to see if other credit card companies take this opportunity to slash some of their benefits, or if they use the current benefits they offer as a method to draw customers away from Discover and to them.


Have questions about which cards offer benefits like the ones mentioned in this article? Email us at and we’d love to help.