Each eligible AmEx card is covered for up to $50,000 in claims per year. Although they didnt make the top five, the following cards offer purchase protection with a limit of $10,000 per incident/claim and a limit of $50,000 per year per account (although Amex cards have a limit of $500 per event for natural disasters*). Benefits are providedfor Replacement Cost up to the lesser of the Eligible Payment or the per item and calendar year maximums as described below. bought the Airpods Max and ended up loosing them on my flight, I put them in the seat pocket in front of me during the meal and completely forgot that they were in there. The extended warranty does not cover the following items: Also, coverage does not apply to damage from natural disasters, alterations or modifications, power surges, war or acts of war or any item under a product recall. AmEx purchase protection covers lost, stolen or damaged items within the first 90 days after purchase. Eligibility and Benefit level varies by Card. This coverage is complimentary on most AmEx cards including some debit,. The Platinum Card, Covered Eligible Purchases are items bought with your Eligible Card and are covered for the first 90 days after the day of purchase. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. You would only be reimbursed up to the amount charged on the card. American Express consumer cards all offer purchase protections for eligible purchases for 90 days from the date of purchase to file a claim. As with any insurance or coverage product, AmEx purchase protection comes with limitations and exclusions. The card doesnt offer price protection or return protection, though. Best card for premium perks while traveling, Capital One Venture X Rewards Credit Card, The Business Platinum Card from American Express, Disney Cruise Lines Castaway Club loyalty program: Everything you need to know, 21 new Hyatt hotels where you can get 500 extra points per night, My first cruise to the Galapagos: The good, the bad and the absolutely adorable. Amex's extended warranty perk applies to warranties of five years or less. Be sure to check each cards individual purchase protection policy before making an expensive purchase on an Amex card. Purchase Protection Protect your shopping Enjoy stress-free shopping when you use your American Express Card, with 90-day Purchase Protection. Earn 4X Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). This coverage is complimentary on most AmEx cards including some debit, prepaid and reloadable AmEx cards. Juan's passion is helping readers navigate through the complex world of frequent flier miles, credit card rewards points and award travel. If you purchase a high-end $2,500 laptop, you should charge it to your premium card with a $10,000 per incident limit rather than a card with a $1,000 per incident coverage limit. Related: Best credit cards with purchase protection. So, you can't claim purchase protection if your baseball bat or hockey stick breaks. Visit americanexpress.com/benefitsguide for details. is a location independent digital nomad who has traveled full time since June 2017. 10 mile per dollar on hotels and rental cars booked through Capital One Travel; 5 miles per dollar on flights booked through Capital One Travel; 2 miles per dollar on all other purchases. When evaluating offers, please review the financial institutions Terms and Conditions. As with any insurance policy, the devil is always in the details. Can You Buy Gift Cards with a Credit Card? Coverage can vary based on your state of residence, though, and bonus categories sometimes have caps. For a complete description of the policies of your American Express card, select your card on this page. American Express makes it easy - you can file your claim online or by giving us a call at 1-800-322-1277; if international, call collect at 1-303-273-6498. Although this guide focuses on purchase protection, you should also consider benefits like return protection, price protection and extended warranty. We'll run a soft credit check to find special offers, but it wont affect your credit score. This benefit offers cardholders compensation when a store will not accept an eligible item for return within 90 days of purchase. When evaluating offers, please review the financial institutions Terms and Conditions. Whether you want to pay less interest or earn more rewards, the right card's out there. Check the details of your card's coverage to see if your incident is covered. And extended warranty protection offers one full year of coverage at $10,000 per item and up to $ . Coverage applies for 90 days after purchasing the item. Do not sell or share my personal information. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Find the right card for you. Compact discs, digital video discs, mini discs, audiotapes and videotapes. Instead, check the benefits guide to see the card's purchase protection coverage. When you purchase an item with a manufacturer's warranty, this benefit can add an extra year to the warranty. Not as useful for those living outside the U.S. Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased throughRead More. Get more smart money moves straight to your inbox. Delta SkyMiles Reserve Business American Express Card. update? Select the Card below to read the full terms and conditions for Return Protection related to that Card. The rotating bonus categories offered by the Chase Freedom Flex make it an excellent choice for purchases that fit into bonus categories. All financial products, shopping products and services are presented without warranty. Note that purchase protection is different from price protection and extended warranty coverage, other credit card benefits you might be eligible for. 3 yr. ago. Since I was outside of the stores 30-day return policy but still within 90 days of purchase, I filed a return protection claim online with Amex. All rights reserved, How American Express Purchase Protection Works, Purchase Protection can cover the cost of lifes uh-oh moments, so you can be more confident when buying with your Eligible Card. Editors note: This is a recurring post, regularly updated with new information. That proof of loss depends on the circumstances. To file a claim with Amex purchase protection, you can do so online or by calling 800-228-6855. $10,000 per claim, $50,000 per year for the, Delta SkyMiles Reserve American Express Card. All policies have a maximum limit of $50,000 in claims per calendar year. Amex has you covered in that instance, too. I was not asked to return the items in question in either case. Beyond that, I think its prudent to factor these protections into your decision of which card to use whenever you make a large purchase. These online records helped me file my Amex claims quickly, rather than digging through a shoebox full of paper receipts. * Eligibility and benefit levels vary by card. Remember you need to provide a copy of the purchase receipt and file a Notice of Claim within 30 days of the loss or damage. Related: Your guide to the Chase Ink Business credit cards. If submitting a claim by phone, you will be asked certain questions about your claim. Dozens of AmEx cards offer purchase protection benefits. *Eligibility and Benefit level varies by Card. To start the process, log into your AmEx account and, Like insurance, purchase protection is one of those things that you hope you never have to use. Opinions expressed here are the authors alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. AmEx makes it easy to file a purchase protection claim on its website. NerdWallet strives to keep its information accurate and up to date. Maximum coverage per account for purchase protection: $50,000 per card per calendar year. Thankfully, many credit cards offer so-called "purchase protection" that covers theft, damage and loss within a set time after purchase. This site does not include all credit card companies or all available credit card offers. The Platinum also offers 90 days of return protection, up to $300 per item. $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year. Not a Cardmember yet? Here is a list of our partners. Official application link: Blue Cash Everyday Card from American Express. After logging in, click "File a Claim." Go through the online claim process and provide the required information. endstream endobj 962 0 obj <>>>/Filter/Standard/Length 128/O(-ZK*Kme P1Fi dX)/P -1340/R 4/StmF/StdCF/StrF/StdCF/U(U-q U )/V 4>> endobj 963 0 obj <>/Metadata 89 0 R/OCProperties<>/OCGs[973 0 R]>>/Outlines 294 0 R/PageLayout/OneColumn/Pages 957 0 R/StructTreeRoot 349 0 R/Type/Catalog>> endobj 964 0 obj <>/Font<>/ProcSet[/PDF/Text]>>/Rotate 0/StructParents 0/Tabs/S/Type/Page>> endobj 965 0 obj <>stream Commissions do not affect our editors' opinions or evaluations. While extended warranty coverage offers more comprehensive damage protection, purchase protection gives you more protection in case of theft. Plus, this card doesnt exclude lost or misplaced items and is great for foodies, due to its bonus-earning categories and monthly spending credits with restaurants and Uber/Uber Eats. Some of the more popular Amex cards offering extended warranty coverage include The Platinum Card from American Express and other consumer versions of the Platinum card, The Business Platinum Card from American Express, American Express Gold Card, American Express Green Card, American Express Business Gold Card, Delta credit cards, Hilton credit cards, Marriott credit cards and The Blue Business Plus Credit Card from American Express. Earning rates: 10 miles per dollar spent on hotels and rental cars booked through Capital One Travel; 5 miles per dollar spent on flights booked through Capital One Travel; 2 miles per dollar spent on all other purchases. Terms apply to the offers listed on this page. Our partners cannot pay us to guarantee favorable reviews of their products or services. If You have any questions about a specific item, please call us at 1-800-228-6855, if international, collect at 1-303-273-6498. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Return Protection1 Amex purchase protection lasts for 90 days from the purchase date. For full Terms and Conditions, see www.americanexpress.com/PPterms. You must file a claim within 30 days of your covered loss and you can do so online or by calling 800-228-6855. Related: These are the cards TPG staff reach for in case of emergency. Business Green Rewards Card from American Express. Marriott Bonvoy Business American Express Card. Note that card coverage is sometimes secondary to any homeowners insurance and auto insurance policies, so you may need to prove that youve already submitted claims with other insurance providers. We may receive compensation when you click on links to those products. From lamps to loungewear and from headphones to handbags, you can use your Eligible Card with more confidence when youre covered with Purchase Protection. Objects such as motorized vehicles, artwork, gift cards and perishable items like perfume, food, light bulbs and batteries are all typically ineligible for purchase protection coverage. this adds to already-existing purchase protection and extended warranty . And Visa offers Purchase Security to Visa Infinite cardmembers. ;*KLjmNT Terms apply. All financial products, shopping products and services are presented without warranty. Terms apply to the offers listed on this page. You can see the benefits for all American Express cards on Amexs website and can consult our guide to shopping protections on American Express cards, but you may need to call or log into your account to see the guide to benefits for cards issued by other banks. Meanwhile, here's the list of small business cards from AmEx with this benefit: The Business Platinum Card from American Express. How to File a Return Protection Request There are a multitude of purchases that are excluded from purchase protection. For most claims, you'll typically need to submit: A copy of your credit card statement with the purchase. Benefits also includes a per occurrence maximum for any one Purchase Protection Covered Event related to a Natural Disaster as describedbelow . 1 Terms, conditions and exclusions apply. We believe everyone should be able to make financial decisions with confidence. Amazon marketplace merchant won't accept returns after 30 days. 11. ghedoicy. These cards, each chosen with a particular type of consumer or purchase in mind, are discussed below. Welcome bonus: Earn $200 cash back after spending $500 on purchases in your first three months of account opening. At the time of writing, The Platinum Card from American Express holders are covered for up to 90 days from the date of a covered purchase of an eligible item. Many popular rewards credit cards come with generous welcome offers and useful benefits to attract consumers. You can do so online or by calling Amex at 1-800-322-1277. Earn 100,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 3 months. AmEx purchase protection generally covers theft, loss and damage to eligible items within 90 days of purchase. The Ink Cash Card is a great choice if you buy high-value items that are eligible for purchase protection at office supply stores where youll earn 5% cash back until you hit your annual limit. New comments cannot be posted and votes cannot be cast. To be eligible, all you have to do is charge a portion of your qualifying purchase to your American Express card but you'll only be reimbursed up to the amount charged to your card. Platinum. This post contains references to products from one or more of our advertisers. Things To Do Before Canceling A Credit Card, Best Credit Cards For Travel Insurance Benefits, American Express Business Platinum Review, Delta SkyMiles Reserve Credit Card Review, Rotating quarterly categories earn 5% rewards when activated, up to a combined quarterly $1,500 maximum, Travel rewards rate rivals some of the best premium travel cards, Generous rewards rate in several other categories, Travel bookings must be made through Chase Ultimate Rewards to earn 5% cash back. The American Express Platinum cards are eligible for American Express Purchase Protection. Terms apply. However, not all purchases and losses are covered by AmEx purchase protection. There are credit cards offering purchase protection that aren't included in this list. The Platinum Card, Gold Card, Delta SkyMiles Reserve Card, Hilton Aspire Card, and Marriott Bonvoy Brilliant Card are just a few examples. FlyerTalk Evangelist. Delta SkyMiles Gold Business American Express Card. Notably, American Express prepaid debit cards do not come with this benefit. Each category has certain conditions attached to it. This card has the brawn to handle just about all of your credit card spending needs without an over-inflated price tag. Claims can be made online or by giving American Express a call at 1-800-322-1277. Maximum coverage per purchase protection claim: $1,000 per item ($500 per event if related to a natural disaster). The purchase must be made in the United States, be in like new condition and the merchant must have previously denied the return. Cellphone protection is available for up to $800 per claim and up to $1,000 per year for phones listed on a monthly cellphone billed paid with the Freedom Flex card. The best credit cards for travel insurance benefits. Good news: AMEX includes Purchase Protection as a benefit on all of its cards shown here. Indirect or direct damage to an item or property resulting from a covered event. The American Express Gold Card has one of the lowest annual fees of American Express cards that offer generous $10,000 purchase protection coverage per item (excluding natural disasters). Posts: 13,805. Cash and its equivalent (including, but not limited to, gift cards and gift certificates). Not lost, you know where you left it, and someone took it knowing it did not belong to them. Can I file an AmEx purchase protection claim if I redeemed points? Be ready to provide an itemized online receipt or original store receipt of the item as you will need it to receive claim consideration. Please visit americanexpress.com/benefitsguide for more details. Disclaimer: NerdWallet strives to keep its information accurate and up to date. All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. Eligibility and Benefit level varies by Card. Tip: Use WalletFlo for all your credit card needs. It seemed like a good idea at the time, but once I received it and had a chance to install it, I realized that it scared my daughter and seemed too dangerous to me as well. * Eligibility and benefit levels vary by card. Finally, some American Express cards offer purchase protection even when you lose a recently-purchased item. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. Before making a significant purchase, know the benefits of each card you could use for the purchase. Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Offer ends 3/29/23. The card details on this page have not been reviewed or provided by the card issuer. First, you have to have the right card. Blue Cash Preferred Card from American Express. Items that are rented, leased or borrowed. Yes, cardmembers of the American Express Gold Card are covered by AmEx's purchase protection coverage. The extended warranty period is an additional year and is limited to covering the actual purchase amount paid for with your card. Purchase Protection is amazing (Plat) Had a great experience with Amex Purchase Protection on the Plat. 5 points per dollar on flights booked directly with airlines or Amex Travel (up to $500,000 on these purchases per calendar year, then 1 point per dollar); 5 points per dollar on prepaid hotels booked through Amex Travel; 1 point per dollar on other purchases. How to file a purchase protection claim with Amex. To provide notice you can call Amex at the following phone number: 1-800-322-1277 or, if from overseas, by calling collect 1-303-273- 6498. Cristina Gibson is a writer and journalist who has covered consumer goods, fashion, technology, and travel for more than 15 years. Personal cards with purchase protections from AmEx include: The Platinum Card from American Express. The claim should be provided within thirty (30) days of the loss or as soon as reasonably possible. Instead, check the benefits guide to see the card's purchase protection coverage. Our points-obsessed staff uses a plethora of credit cards on a daily basis. However, this does not influence our evaluations. Additionally, purchase protection benefits are not payable on eligible items if the damage is caused by riots, acts of war or service in the military, normal wear and tear or damage through alteration. AmEx purchase protection is complimentary coverage provided on most AmEx cards that covers theft, loss and damage to eligible items within the first 90 days of purchase. Submitted a claim and it was approved the next day. Simply losing or misplacing the purchase (although the policies for the Delta Reserve, Delta Reserve Business, Hilton Aspire and all consumer versions of the Amex Platinum Card do cover lost or misplaced items). As with any insurance or coverage product, AmEx purchase protection comes with limitations and exclusions. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. How do I Redeem Membership Rewards Points. American Express purchase protection works by covering the damage or theft of eligible purchases for up to 90 days after the purchase date. You will need to provide American Express with the original store receipt or a printout of an online receipt. Does AmEx purchase protection cover lost items? Please read important exclusions and restrictions. Our partners compensate us. Remember that only purchases made with your eligible American Express card and only the amount charged to your card are eligible for purchase protection. You can view the full extended warranty policy for each card. 10 points per dollar on Chase Dining, hotels and car rentals when you purchase through Chase Ultimate Rewards; 5 points per dollar on flights when you purchase through Chase Ultimate Rewards; 3 points per dollar on other travel and dining; 1 point per dollar on other purchases. So how do we make money? I have the Platinum card so would this be covered under lost item protection or would I be SOL? Earning rates: 3% cash back at U.S. supermarkets, U.S. gas stations and U.S. online retail purchases on up to $6,000 per calendar year in purchases for each category (then 1%) and 1% cash back on other purchases. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. So, forgetful consumers may want to put their purchases on one of American Express' premium cards that include lost items under the Amex purchase protection benefit. 3 points per dollar on travel, shipping, internet services, cable services, phone services and advertising with social media sites/search engines (on the first $150,000 in combined purchases each account anniversary year, then 1 point per dollar); 1 point per dollar on other purchases. has been a Senior Points and Miles Contributor for TPG since 2012. Maximum coverage per purchase protection claim: $10,000 per item ($500 per event related to a natural disaster). Other categories excluded are animals, living plants, rare stamps, coins, negotiable instruments such as travelers checks, objects rented, leased or borrowed, anything purchased for resale or commercial use, permanent household items such as carpet, flooring, air conditioners and refrigerators, as well as medical or dental equipment or devices. Many or all of the products featured here are from our partners who compensate us. hbbd``b`@/P k ";d100O@ T9 3 TPG values this bonus at $1,388. Maximum coverage per purchase protection claim: $10,000. We'd love to hear from you, please enter your comments. You will be asked certain questions about your claim at that time. Related: Your complete guide to shopping protections on American Express cards. Items permanently affixed to a home, office, vehicles, etc. **, Morgan Stanley Blue Cash Preferred American Express Card.**. and U.S. supermarkets. Official application link: American Express Gold Card. Check your benefits guide for complete details. The Capital One Venture X Rewards Credit Card is an excellent everyday spending card.