How to choose a fabric protector
Ceramic or traditional repellent
The newer SiO2 / ceramic fabric products bond to the fibers and tend to give tighter beading and better longevity, and they are the ones designed specifically for car interiors. Traditional fluoropolymer-style repellents are cheaper, well understood and perfectly adequate for floor mats and cloth trim. For seats you actually sit on daily, the ceramic products are worth the difference.
Rated fabric matters
Products aimed at outdoor fabric — convertible tops, marine canvas — are formulated to face weather, so they are the strongest option here, and a cloth car seat is a considerably easier job than a soft top. Household stain guards are the weakest but also the cheapest and are entirely reasonable for mats. Check what the manufacturer actually lists rather than assuming a car seat is covered.
Volume, and the honest maths
A full interior — five seats, carpets and mats — uses far more product than people expect, because coverage requires the fabric to be genuinely wetted, not misted. If you are treating a whole car, or re-treating annually, a large refill is dramatically cheaper per seat than aerosol cans, which is why a gallon jug earns its place on this list despite being an awkward format.
Applying it so it actually works
Clean first, and be thorough about it. A protector bonds to fibers, and any dirt on those fibers is what it bonds to instead. Worse, sealing an existing stain under a repellent layer makes that stain much harder to remove later. Vacuum deeply, then clean the fabric with an upholstery-rated cleaner, and let the seats dry completely — genuinely completely, which usually means overnight.
Test an inconspicuous area. Under a seat or on the rear of a backrest. Some fabrics darken slightly, and it is much better to find out there.
Apply evenly and generously.Light, even coats across the whole panel — patchy application gives you patchy protection and, on some fabrics, a visible edge where the treated area stops. Two light coats beat one heavy one. Mask or cover adjacent plastic, leather and glass; repellent overspray on a screen or a leather bolster is annoying to remove.
Ventilate, and give it time. These are solvent-carried products being applied in a very small enclosed space, so work with the doors open and let the car air thoroughly before driving it. Most products want several hours to cure before the seats are used, and overnight is safer.
What to expect afterwards
Water and thin liquids will bead and sit on the surface for a while. Blot spills — do not rub, which pushes liquid through the barrier and into the foam. Expect to re-treat roughly annually, and after any deep clean or extraction, because shampooing removes the protection along with the dirt. If a spill does get through and leaves an odor, that is a different problem living in the foam rather than the fabric.