Is Buyers Advantage Plus for Citibank Credit Cards Worth $4.95 Per Month?

The Buyers Advantage Plus program for Citibank credit card members offers Sale Price Protection, Return Guarantee, and Return Restocking Fee Reimbursement for $4.95 per month.

If you have a Citibank Credit Card, Buyers Advantage Plus can help you save money on all of your purchases when product prices change or if you need to return an item.

Buyers Advantage Plus is a premium service in the Citi Benefit Builder program, which offers a variety of free benefits for Citi card members.

There is a $4.95 monthly fee to add Buyers Advantage Plus to your card, so it’s really only worth while if you shop with the card regularly and plan on making some major purchases.

Enroll your Citi credit card in Buyers Advantage Plus for special Citibank card member purchase protection services.

The Buyers Advantage Plus program offers 3 services:

1. Sale Price Protection

Sale Price Protection helps to protect you against price fluctuations and sudden sales when you purchase products with your Citi card.

Your purchases will be price protected for 180 days against sale price reductions.

If an item you purchased goes on sale at the same store, chain, or online retailer during that time, you can receive a refund for the difference between the sale price and the price originally paid.

You can receive a maximum of up to $500 per claim and up to $1,000 annually.

Claims must be filed within 210 days of purchase.

Motorized vehicles and their parts, live plants and animals, food and beverages, services, jewelry, tickets, negotiable instruments, products for commercial use, layaway items, one-of-a-kind items and products purchased from an Internet auction site are excluded from Sale Price Protection. Liquidation sales and going-out-of-business sales are also excluded.

2. Return Guarantee Protection

Return Guarantee Protection allows you to return an item within 180 days of the purchase date.

You can return unused, undamaged purchases to Buyers Advantage Plus for a full refund of the purchase price for up to $500 per item and up to $1,000 annually.

Return Guarantee Protection is valid for up to 180 days from the date of purchase, regardless of the store policy at time of purchase.

The Return Guarantee benefit does not apply to motorized vehicles and their parts, live plants and animals, food and beverages, damaged items, services, jewelry, tickets, negotiable instruments, weapons, one-of-a-kind items and products purchased from an Internet auction site.

In addition, Return Guarantee also excludes computer software, personal care products, tapes, records, CDs or other recorded media, printed materials, products for commercial use, forgeries or counterfeit items, collectibles, consumable or perishable items, and secondhand, used, or damaged items.

3. Return Restocking Fee Reimbursement

Return Restocking Fee Protection offers reimbursement for restocking fees charged by a merchant when you return an item.

You can be reimbursed up to $250 per claim and up to $1,000 per year if you return an item to the store and are charged a restocking fee for that item.

Items must be purchased and returned within the United States.

Applicable taxes, storage, shipping, handling, insurance, delivery confirmation, postage and other like charges associated with the return are excluded from the Return Restocking Fee Reimbursement benefit.

Claims must be filed within 30 days following the date on which the eligible return was made.

Motorized vehicles and their parts, items purchased for commercial use, used or antique items, jewelry, printed materials, consumable or perishable items, forgeries or counterfeit items, services, tickets, negotiable instruments, live animals, and purchases made in connection with an auction, as well as collectibles, special order, customized/personalized, unique, and one-of-a-kind items are not covered under the Return Restocking Fee Reimbursement benefit.

$4.95 Monthly Fee

The monthly membership fee of $4.95 will be automatically billed to your Citi credit card account unless you call to cancel.

You may cancel at any time by calling 1-877-397-4405, and your membership will continue until the end of your current paid period.

Is Buyers Advantage Plus Worth the $4.95 Fee?

One of the great benefits of Buyers Advantage Plus is that you will be protected for both in-store and online purchases.

If you regularly shop at merchants with your credit card or you plan on making some large purchases, then the Sale Price Protection can really help cover your losses if the price is reduced after you purchase an item.

For instance, if you purchase a lawn mower during the summer that ends up going on sale in the fall, you would be able to get your money back for the price difference.

You may also be able to use Buyers Advantage Plus to protect yourself against Price Fluctuations and other online retailer price changes.

However, the average shopper may not benefit as much from these purchase protection services.

First of all, you would need to track your purchases closely over long periods of time in order to notice any price differences, so there is a significant amount of effort required, unless you just happen to notice a sale.

Plus, it requires more effort to provide the product advertising proof to Citibank in order to get your price protection rebate as well as the other benefits.

It is definitely worth the effort for large price differences, but you might not want to submit a claim each time a price drops by a couple of dollars.

Overall, it’s a nice benefit to have if you can make up for the $4.95 monthly fee with your benefit claims.

Consider enrolling your Citibank credit card in Buyers Advantage Plus for price and return protection services.


  1. SC says

    I wish they made it easier to submit a claim though: You have to mail a claim, instead of sending it electronically.

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