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Dozens of AmEx cards offer purchase protection benefits. This coverage is complimentary on most AmEx cards including some debit,. Check here before booking an award fare. Pre-qualified offers are not binding. Improve earnings, maximize rewards and track progress toward dream trips. Maximum coverage per account for purchase protection: $50,000. 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. 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. Visit americanexpress.com/benefitsguide for details. Items damaged by natural disasters are subject to different terms and limits notated in each cards terms and conditions. $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. Earn 80,000 Membership Rewards points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Business Green Rewards Card from American Express is no longer available through NerdWallet. Earn 60,000 Membership Rewards points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership. *, 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. Here are our picks for the. 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. All rights reserved, If you try to return an eligible item within 90 days from the date of purchase and the merchant won't take it back, American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express Card. He published over 2,000 articles on The Points Guy before becoming a freelance writer. Please view our advertising policy page for more information. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. Eligible American Express cardholders can get reimbursed up to $1,000 or $10,000 per item (depending on the card) and up to $50,000 per cardholder. The purchase protection benefit offered by select credit cards covers eligible purchases against accidental damage or theft and for some cards, loss in the first few months after you use an eligible card to pay for the purchase. hbbd``b`@/P k ";d100O@ T9 3 It's important to understand that if you simply lose an item, as opposed to it being stolen, it might not be covered. Purchase Protection is underwritten by AMEX Assurance Company. Although this is an oft-overlooked benefit, purchase protection can provide exceptional value. Here are our picks for the best travel credit cards of 2023, including those best for: Flexibility, point transfers and a large bonus: Chase Sapphire Preferred Card, No annual fee: Bank of America Travel Rewards credit card, Flat-rate travel rewards: Capital One Venture Rewards Credit Card, Bonus travel rewards and high-end perks: Chase Sapphire Reserve, Luxury perks: The Platinum Card from American Express, Business travelers: Ink Business Preferred Credit Card, About the author: JT Genter is a freelance points, miles and credit card writer formerly of The Points Guy. If you have multiple American Express cards with varying coverage limits, make sure that your large purchases are made on your cards with the largest coverage limits. Tip: Use WalletFlo for all your credit card needs. Do not sell or share my personal information. These are provided as guidelines only and approval is not guaranteed. I have the Platinum card so would this be covered under lost item protection or would I be SOL? Terms apply. This influences which products we write about and where and how the product appears on a page. Credit Score ranges are based on FICO credit scoring. Balance transfer fee applies, see pricing and terms for more details. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105, The Guide to AmEx Purchase Protection on Travel Cards. This card has the brawn to handle just about all of your credit card spending needs without an over-inflated price tag. You also may be asked to return the item to Amex in the event it cant be repaired or to provide proof of loss via a repair estimate form or photographs showing the item's current condition. You can view the full extended warranty policy for each card. Improve earnings, maximize rewards and track progress toward dream trips. Claim processing and payment is usually complete within 30 days. However, this does not influence our evaluations. If you have an item that was damaged or stolen shortly after you purchased it, it can be worth checking the guide to benefits of the card you used to purchase that item to see if a form of purchase protection applies. You may also be asked to return the item to Amex, so be sure to hang onto it until your claim is resolved. Are you sure you want to rest your choices? However, there are varying levels of protection. AmEx purchase protection covers lost, stolen or damaged items within the first 90 days after purchase. All information about Hilton Honors American Express Aspire Card has been collected independently by NerdWallet. The Forbes Advisor editorial team is independent and objective. All Rights Reserved. The Platinum Card, Gold Card, Delta SkyMiles Reserve Card, Hilton Aspire Card, and Marriott Bonvoy Brilliant Card are just a few examples. 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. Here's a look at how purchase protection programs work. This card shines for this use, but overall the star ratings may differ when compared to other cards. Thankfully, its really easy to search my email inbox to find receipts for everything Ive bought online. For a complete description of the policies of your American Express card, select your card on this page. Visit americanexpress.com/benefitsguide for details. For example Mastercard offers Purchase Assurance to many Mastercard holders. Indirect or direct damage to an item or property resulting from a covered event. 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. its said 10 business but its already past. The claim should be provided within thirty (30) days of the loss or as soon as reasonably possible. * These cards include: The Platinum Card from American Express. Read more. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. Shopping online for a car is an accelerating trend changing the purchase process from start to finish. Policies are underwritten by AMEX Assurance Company. Best Balance Transfer & 0% APR Credit Cards, NerdWallets Best Credit Card Tips for March 2023, Get more smart money moves straight to your inbox. Good news: AMEX includes Purchase Protection as a benefit on all of its cards shown here. This compensation comes from two main sources. Purchase Protection Protect your shopping Enjoy stress-free shopping when you use your American Express Card, with 90-day Purchase Protection. We'll run a soft credit check to find special offers, but it wont affect your credit score. Can I file an AmEx purchase protection claim if I redeemed points? How do I Redeem Membership Rewards Points. Reddit and its partners use cookies and similar technologies to provide you with a better experience. Terms, Conditions and Limitations Apply. Purchase protection benefits offered by credit cards often differ in three main aspects: Related: Purchase protection saved us $1,700 a reader success story. The claim was quickly accepted, and I was issued a statement credit for my purchase. If you'd like to. Help protect your eligible 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. I confess that I dont save a copy of the register receipt from every purchase I make Im just not that organized. endstream endobj startxref Welcome bonus: Earn 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening. NerdWallet strives to keep its information accurate and up to date. This benefit offers cardholders compensation when a store will not accept an eligible item for return within 90 days of purchase. The Blue Cash Everyday Card from American Express is good for earning 3% cash back at U.S. supermarkets (up to $6,000 per calendar year, then 1%), but shopping protection benefits arent beneficial on most supermarket purchases. Negotiable instruments, such as stamps and travelers' checks. Disclaimer: NerdWallet strives to keep its information accurate and up to date. Enrollment required. 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 American Express Gold Card, The Platinum Card from American Express and Delta SkyMiles Reserve American Express Card cardholders 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. 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. The Platinum Card from American Express American Express Gold Card and Delta SkyMiles Reserve American Express Card are just a few examples. American Express consumer cards all offer purchase protections for eligible purchases for 90 days from the date of purchase to file a claim. it back, American Express may refund the full pur chase price, up to $300 per item, excluding shipping and handling charges related to the item purchased, and up to a maximum of $1,000 per Card Member account per calendar year based on the date of purchase, not during the year the claim was filed. 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. 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. You may need to submit a police report for stolen items and a repair estimate or photos for damaged items during the claim process. Terms apply to the offers listed on this page. Flexibility, point transfers and a large bonus: Bank of America Travel Rewards credit card. Consumable or perishable items like food and batteries. Be the first to know if we spot anything odd or unusual on your account, thanks to our account and fraud alerts. Find the right card for you. Personal hygiene items or any devices (medical or nonmedical) that have been personally used and could be considered a health risk to others. Delta SkyMiles Reserve Business American Express Card. So, checking. You will be asked certain questions about your claim at that time. Purchase protection saved us $1,700 a reader success story, These are the cards TPG staff reach for in case of emergency, Delta SkyMiles Reserve American Express Card, Delta SkyMiles Reserve Business American Express Card, Hilton Honors American Express Aspire Card, Marriott Bonvoy Brilliant American Express Card, The 5 Amex cards were keeping in our wallets and why, Do Not Sell or Share My Personal Information, $10,000 per item (or $500 per event for natural disasters).
