For claims filed internationally, you can dial 1-303-273-6498. Enrollment required. The following are ineligible for coverage: Also excluded is loss or damage due to any of the following reasons: Additionally, the maximum protection related to a natural disaster is $500. Terms apply. The American Express Platinum card purchase protection insures items bought with this card for up to $10,000 per incident and $50,000 per account per year. My next chance to use these benefits came when a computer part failed about a year and a half after purchase and had a warranty of just one year. Shop safe withSafeKey. Furthermore, there are only two American Express business cards that include purchase protection benefits* for lost items, which are also the Delta SkyMiles Reserve Business American Express Card and The Business Platinum Card from American Express. Amazon marketplace merchant won't accept returns after 30 days. To be eligible, you must pay for the entire cost of the item with your eligible American Express card, and purchases must be made in the U.S. or U.S. territories.^. 3 points per dollar on eligible Delta purchases; 1 point per dollar on other purchases. All consumer American Express cards offer purchase protection for eligible purchases. , AmEx purchase protection only covers a maximum of $500 in claims per event. *Benefits may vary by issuer. Read more. For a complete description of the policies of your American Express card, select your card on this page. Almost every American Express credit and charge card offers purchase protection of some degree. endstream
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The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Please read important exclusions and restrictions. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). 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. TPGs March 2023 monthly valuations, Cruise giant Carnival goes Texas-size big with new sailings from Galveston. Our points-obsessed staff uses a plethora of credit cards on a daily basis. 14 points per dollar at eligible Hilton properties; 7 points per dollar on flights booked directly with airlines or through Amex Travel; 7 points per dollar on car rentals booked directly from select car rental companies and at U.S. restaurants; 3 points per dollar on other purchases. You must provide an original store receipt (or a printout of an online receipt). As always, check your credit cards guide to benefits to see which benefits apply to you. This post contains references to products from one or more of our advertisers. *Benefits may vary by issuer. AmEx makes it easy to file a purchase protection claim on its website. I want to file a purchase protect claim with Amex, but everything I see says the 90 days runs from the date of purchase, not the date of delivery. Your financial situation is unique and the products and services we review may not be right for your circumstances. Nonetheless, this useful benefit can save you hundreds (maybe thousands) if you have the misfortune of theft or damage on a covered purchased item within 90 days of purchasing the item. Business Green Rewards Card from American Express is no longer available through NerdWallet. Subject to additional terms, conditions and exclusions. Blue Cash Preferred Card from American Express. The card details on this page have not been reviewed or provided by the card issuer. Our partners compensate us. The coverage maximum with most American . TPG values this bonus at $1,388. Note that purchase protection is different from. If your item was stolen, you may need to show American Express a copy of the police report. Your next step should be to check the cards benefits guide to determine if your item and its form of damage or loss are eligible. Many Amex cards offer purchase protection but coverage limits vary. Not as useful for those living outside the U.S. If an item is stolen, file a police report immediately. 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. From broken laptops and phones to delivered packages nabbed from the front porch, when you make a Covered Eligible Purchase with your Eligible, When you charge a Covered Purchase to your Eligible Card, you can be reimbursed for up to 90 days from the date of purchase if the item is stolen or accidentally damaged. Delta SkyMiles Reserve American Express Card, Hilton Honors Aspire Card from American Express, benefits for all American Express cards on Amexs website, guide to shopping protections on American Express cards. Click "file a claim" and select the card for which you're filing a claim, enter your date of purchase and click "continue.". Depending on the credit card, the coverage amount and the duration of the protection may differ. You can convert your Chase Freedom Flex earnings to Chase Ultimate Rewards points if you have an eligible card that earns Chase Ultimate Rewards points, such as the Chase Sapphire Reserve or Chase Sapphire Preferred Card. Delta SkyMiles Platinum American Express Card. 3 yr. ago. Related: The best credit cards with price protection. From broken laptops and phones to delivered packages nabbed from the front porch, when you make a Covered Eligible Purchase with your Eligible American Express Card, you can rest easy knowing that you may be protected up to $1,000 per incident (for some Cards you may be protected up to $10,000 per incident) when the unexpected strikes. For most people, the purchase protection benefit offered by some credit cards flies under the radar. However, this card is so packed with benefits that this coverage doesn't make the card's highlights on the AmEx website. The Platinum Card, Gold Card, Delta SkyMiles Reserve Card, Hilton Aspire Card, and Marriott Bonvoy Brilliant Card are just a few examples. * Eligibility and benefit levels vary by card. Chase, for example, offers purchase protection for up to 120 days on the Chase Freedom Unlimited, Chase Freedom Flex* and Chase Sapphire Preferred Card and Chase Sapphire Reserve. The information for the Amex Green Card has been collected independently by The Points Guy. Terms, Conditions and Limitations Apply. The Amex EveryDay Preferred Credit Card from American Express is no longer available through NerdWallet. Check here before booking an award fare. But can you use your credit card to do so? Here is a list of our partners and here's how we make money. The Blue Business Plus Credit Card from American Express. are covered by AmEx's purchase protection coverage. Please read important exclusions and restrictions. By taking advantage of the valuable shopping protection policies offered by most American Express cards, you can save hundreds (or even thousands) of dollars when a purchase doesnt work out the way you hoped. Performance information may have changed since the time of publication. The American Express Platinum card purchase protection insures items bought with this card for up to $10,000 per incident and $50,000 per account per year. Benefits are providedfor Replacement Cost up to the lesser of the Eligible Payment or the per item and calendar year maximums as described below. 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. This post contains references to products from one or more of our advertisers. 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. And be aware of excluded purchases, too. It's important to understand that if you simply lose an item, as opposed to it being stolen, it might not be covered. Eligibility and Benefit level varies by Card. 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% on travel purchased through Chase Ultimate Rewards, 3% on dining and drugstores and 1% on all other purchases. In-built purchase protection is a valuable benefit that comes with some credit cards. A copy of the claim settlement from your primary insurance company, if applicable. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. Terms apply to the offers listed on this page. Terms, conditions and limitations apply. You may also be asked to return the item to Amex, so be sure to hang onto it until your claim is resolved. 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. Since youll earn at least 2 Capital One miles per dollar spent on all purchases and also get extended warranty protection and return protection, this card is an excellent choice for shopping. Our partners cannot pay us to guarantee favorable reviews of their products or services. Something went wrong. Cristina Gibson is a writer and journalist who has covered consumer goods, fashion, technology, and travel for more than 15 years. Dozens of AmEx cards offer purchase protection benefits. And extended warranty protection offers one full year of coverage at $10,000 per item and up to $ . Card Rating is based on the opinion of TPGs editors and is not influenced by the card issuer. Explore our Cards Terms and Conditions Get more smart money moves straight to your inbox. * Eligibility and benefit levels vary by card. The card details on this page have not been reviewed or provided by the card issuer. However, there are varying levels of protection. Whether you want to pay less interest or earn more rewards, the right card's out there. 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. The information for the Hilton Aspire Amex card has been collected independently by The Points Guy. Purchase Protection If your eligible item* is either stolen or accidentally damaged up to 90 days after you've bought it, we'll reimburse you up to 2,500. Check your benefits guide for complete details. Buts its still "status open" now and have no update. Posts: 13,805. Welcome bonus: Earn 60,000 Membership Rewards points after spending $4,000 on purchases on your new card in your first six months of card membership. Does AmEx purchase protection cover lost items? The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. Compare the cost in points or miles to cash, and see which option is best. Although this guide focuses on purchase protection, you should also consider benefits like return protection, price protection and extended warranty. Coverage Limits Apply. Our points-obsessed staff uses a plethora of credit cards on a daily basis. Maximum coverage per purchase protection claim: $10,000. When you charge a Covered Purchase to your Eligible Card, you can be reimbursed for up to 90 days from the date of purchase if the item is stolen or accidentally damaged. * These cards include: Related: The 5 Amex cards were keeping in our wallets and why. Some may have trouble using Uber/food credits. If your Card is not listed on this page, if you are an Additional Card Member, or to determine whether you have coverage, please call the number on the back of your Card to verify your benefits View Policy View Policy View Policy View Policy $10,000 per claim, $50,000 per year for the American Express Gold Card, The Platinum Card from American Express and Delta SkyMiles Reserve . To view rates and fees of the American Express Gold Card, see this page. , Gold Card, and Ameriprise Gold Card Members Purchase Protection can also help protect your purchases for up to 120 days* from the date of purchase if the item is stolen, accidentally damaged or lost. How do I Redeem Membership Rewards Points. How an often-overlooked credit card benefit put $1,400 back in my wallet, Blue Cash Everyday Card from American Express, monthly spending credits with restaurants, Everything you need to know about Amex purchase protection, Blue Cash Everyday Card from American Express, Amex credit card showdown: Blue Cash Preferred vs. Blue Cash Everyday, an eligible card that earns Chase Ultimate Rewards points, Why I switched from the Chase Freedom to the Chase Freedom Flex. Not if you used the right credit card to make the purchase. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Items not being safeguarded or left at an unlocked location. Sign up and well send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money. Related: Everything you need to know about Amex purchase protection. We'll run a soft credit check to find special offers, but it wont affect your credit score. Unfortunately, if you're affected by a natural disaster, AmEx purchase protection only covers a maximum of $500 in claims per event. Worry less. Good news: AMEX includes Purchase Protection as a benefit on all of its cards shown here. The purchase must be made in the United States, be in like new condition and the merchant must have previously denied the return. There's a lot to love about the Amex Gold card. *, 4 points per dollar at restaurants and at U.S. supermarkets (on up to $25,000 per calendar year, then 1 per dollar); 3 points per dollar on flights booked directly with the airline or purchased through. 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. Find the right card for you. From porch pirates to Murphy's law, a lot can go awry between the time you buy an item and make use of that purchase. However, this does not influence our evaluations. This site does not include all credit card companies or all available credit card offers. Pre-qualified offers are not binding. Please try again later. I definitely lean toward my Amex card when I buy a television, computer or a major appliance that can be costly to repair even if it means sacrificing bonus points. Hilton Honors American Express Aspire Card. Earn 4X Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). When deciding which travel rewards card to use for large purchases, its important to look beyond the points and miles you earn. However, the damage coverage comes with several exclusions, so you may want to see if your card also offers extended warranty coverage. Fortunately, several American Express credit cards are equipped with the handy purchase protection perk. After working as a tax accountant for a decade, JT turned his analytical skills to points, miles and credit cards. EgnS+JoYlUR fbcv,R38{TA\
=e`%! Check the details of your card's coverage to see if your incident is covered. Earn 4X Membership Rewards Points at Restaurants, plus takeout and delivery in the U.S. Ben is a former credit card specialist for NerdWallet who wrote card reviews and comparisons and covered credit-related issues affecting consumers. 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. He covers credit cards, loyalty programs and family travel. If there is a chance that an item might get broken or stolen, make sure that it is charged to your eligible American Express card. Other shopping protections: Extended warranty protection offers an additional year on eligible warranties of three years or less. How do I Earn Membership Rewards Points? Underwritten by AMEX Assurance Company. Coverage is limited to the amount charged to your card, up to $10,000 per item and $50,000 per card each calendar year.^. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. diamondsaremadeunder 3 yr. ago. shopping purchases when you use your Eligible Card. NerdWallet strives to keep its information accurate and up to date. Anything purchased for resale or commercial use. Welcome bonus: Earn 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening. Terms, Conditions and Limitations Apply. For an explanation of our Advertising Policy, visit. Items purchased for professional or commercial use such as education, training or skills. How do I Earn Membership Rewards Points? The Hilton Honors American Express Business Card. Cards that still offer this benefit include: ** The information for these cards has been collected independently by The Points Guy. Earning rates: 4 points per dollar spent at restaurants and on the first $25,000 spent at U.S. supermarkets each calendar year (then 1 per dollar); 3 points per dollar spent on flights booked directly with airlines or on Amex Travel; 1 point per dollar spent on other purchases. Quote: Originally Posted by JeffD. Press J to jump to the feed. Claims can be made online or by giving American Express a call at 1-800-322-1277. Coverage Limits Apply. Cash and cash-like items including gift certificates, stamps and coins. Shop more. Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased through. Instead, check the benefits guide to see the card's purchase protection coverage. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. Notably, American Express prepaid debit cards do not come with this benefit. With purchase protection, you can file a claim to be reimbursed for any eligible item you bought with The Platinum Card from American Express if .