Price Matching and Price Adjustments: The Money Most Shoppers Leave Behind
Some retailers will match competitors or refund the difference if prices drop. Few shoppers ask. Here's how these policies work and how to use them.
Check it at the store
Most shoppers never ask for a price match or adjustment. That's money left on the table. Here's how these policies work and how to use them politely and effectively.
Price matching vs price adjustments
- **Price matching:** a store matches a lower price from a competitor at the time you buy.
- **Price adjustment:** a store refunds the difference if its own price drops after you buy.
How policies differ
Policies vary a lot and change over time. Some stores match certain online competitors. Others match only their own website. Some have stopped price matching entirely. Always check the current policy.
**Target** used to be the go-to store for price matching, but it scaled the program back in 2025. Don't assume it still applies. Check the current policy at the register before you count on it.
**Costco** has a reputation for adjusting prices on items that go on sale shortly after purchase. Ask at the membership counter.
**Amazon** generally doesn't offer price adjustments on most items, though policies vary.
How to ask
1. Have proof: a screenshot or link to the lower price. 2. Make sure it's the same item, model and condition. 3. Be polite and patient.
Exceptions
- Doorbusters and limited-time deals are often excluded.
- Marketplace sellers and auction sites usually don't count.
- Clearance items may not be eligible.
Track prices after you buy
Set up price alerts for expensive purchases. If the price drops within the adjustment window, ask for the difference.
Credit card price protection
Some credit cards used to offer price protection. Many have dropped it, but check your card's benefits.
Where to compare
Costco, Sam's Club, Target and Amazon list prices online, making it easy to check before you buy. Use their websites to confirm prices quickly.
Verdict
If you buy something expensive, check for price drops for a couple of weeks. A five-minute conversation can save you real money.
Check it at the store
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