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All financial products, shopping products and services are presented without warranty. Juan is a travel writer that specializes in travel and personal finance, including content on credit card products and airline and hotel loyalty programs. Also, note that some losses are excluded such as if you left the item in an unlocked car. 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). This site does not include all credit card companies or all available credit card offers. Items that are rented, leased or borrowed. Welcome bonus: Earn 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening. Blue Cash Preferred Card from American Express. Maximum coverage per purchase protection claim: $1,000 per item ($500 per event if related to a natural disaster). , 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. Purchase protection covers items you want to keep; return protection covers items you don't want to keep where the store won't accept a return. Be the first to know if we spot anything odd or unusual on your account, thanks to our account and fraud alerts. Also, if it was gone 30 minutes later, it was stolen. Learn more: The best travel credit cards right now. However, the damage coverage comes with several exclusions, so you may want to see if your card also offers extended warranty coverage. Only two American Express business cards, the Delta SkyMiles Reserve Business American Express Card and The Business Platinum Card from American Express, elevate coverage to $10,000. I have the Platinum card so would this be covered under lost item protection or would I be SOL? Terms apply. If an eligible item is lost, accidentally broken, or stolen within 90 days of the purchase date, Amex may reimburse its value. Claims can be made online or by giving American Express a call at 1-800-322-1277. Terms, Conditions and Limitations Apply. When evaluating offers, please review the financial institutions Terms and Conditions. Not all purchase protection benefits are created equal. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. Cash and cash-like items including gift certificates, stamps and coins. 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 coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. American Express purchase protection works by covering the damage or theft of eligible purchases for up to 90 days after the purchase date. Purchase protection can save your skin and protect the items you've purchased if a recently-bought item is damaged or stolen. However, if your item is just lost or missing, you wont need a police report. This card shines for this use, but overall the star ratings may differ when compared to other cards. For example, AmEx won't approve a claim for damage to an item "purchased for play." *, Maximum coverage per account for purchase protection: $50,000 per card per calendar year.*. 5% cash back on up to $1,500 in combined purchases in rotating bonus categories each quarter (requires activation) and on travel booked through the. In short, covered purchases are covered for up to 90 days from the date of purchase for up to $10,000 per covered purchase and up to $50,000 per eligible card per calendar year. Our points-obsessed staff uses a plethora of credit cards on a daily basis. Editorial disclaimer: 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. The Blue Business Plus Credit Card from American Express. This should be covered under lost item assuming you have the receipt etc. Worry less. Purchase protection offers short-term insurance for your everyday purchases, in case the items are stolen or damaged. 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. Any purchase that is not in an excluded category and is made with a qualifying American Express card will receive purchase protection. Our partners cannot pay us to guarantee favorable reviews of their products or services. Go to the Amex extended warranty claims webpage to file online. Youre out of luck, right? 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.^. Terms apply. 0 * Eligibility and benefit levels vary by card. American Express consumer cards all offer purchase protections for eligible purchases for 90 days from the date of purchase to file a claim. The rotating bonus categories offered by the Chase Freedom Flex make it an excellent choice for purchases that fit into bonus categories. So how do we make money? There are credit cards offering purchase protection that aren't included in this list. Ben Luthi is a former credit card specialist for NerdWallet. While extended warranty coverage offers more comprehensive damage protection, purchase protection gives you more protection in case of theft. 1 Terms, conditions and exclusions apply. when you need coverage is essential. Purchase protection can reimburse you for the cost of repairing or replacing the item you purchased, assuming you paid for it with a card that provides purchase protection. Keep track of all the required documentation, such as the original store receipt or a printout of an online receipt. Hilton Honors American Express Aspire Card. Maximum coverage per account for purchase protection: $50,000. Fortunately, in many places, you dont need to go down to the local police precinct as many cities have an online portal to submit reports for incidents like theft, lost property or damage to property. Click "file a claim" and select the card for which you're filing a claim, enter your date of purchase and click "continue.". He covers credit cards, loyalty programs and family travel. 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. Check your benefits guide for complete details. NerdWallet strives to keep its information accurate and up to date. American Express makes it easy for you to file a claim for your lost, damaged or stolen item within 90 days from the date of your purchase. Amex purchase protection has been absolutely fantastic for the occasional janky Amazon purchase, particularly marketplace items. American Express is a financial services company that offers credit cards, debit cards, charge cards and travel services. This influences which products we write about and where and how the product appears on a page. 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. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Select the Card below to read the full terms and conditions for Return Protection related to that Card. Underwritten by AMEX Assurance Company. Check the details of your card's coverage to see if your incident is covered. Credit cards vary in the amount and duration of coverage provided, so make sure to read the terms and conditions. Good news: AMEX includes Purchase Protection as a benefit on all of its cards shown here. If a loss is due to theft, you may need to provide a copy of the police report. Call 1-800-243-0198 for more information. Official application link: Chase Freedom Flex. 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. 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. Purchase Protection Protect your shopping Enjoy stress-free shopping when you use your American Express Card, with 90-day Purchase Protection. 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. Pre-qualified offers are not binding. Card Rating is based on the opinion of TPGs editors and is not influenced by the card issuer. Past performance is not indicative of future results. Eligible AmEx cardmembers can still file a purchase protection claim for a covered loss even if you've redeemed Membership Rewards points for all or part of that purchase including Pay With Points redemptions. Keep in mind that if you have a primary insurance policy covering the item, you must file a claim there before approaching your credit card issuer to use purchase protection. JavaScript must be enabled to experience the American Express website and to log in to your account. Many or all of the products featured here are from our partners who compensate us. Maximum coverage per purchase protection claim: $10,000 per item ($500 per event related to a natural disaster). $10,000 per claim, $50,000 per year for the American Express Gold Card, The Platinum Card from American Express and Delta SkyMiles Reserve . Virtually all Amex Membership Rewards, cash back and travel credit cards come with this benefit, ranging from basic cards to ultra-premium cards like The Platinum Card from American Expressand co-branded cards with Hilton and Delta (Terms apply). Coverage applies for 90 days after purchasing the item. War, acts of war or service in the military. Motorized vehicles, parts and accessories. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. The extended warranty period is an additional year and is limited to covering the actual purchase amount paid for with your card. Several credit cards offer purchase protection, which acts as insurance against an item being stolen or damaged for a certain period of time after you buy it. Purchase protection is included in many U.S. American Express cards at no additional cost to the cardholder. 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. Here is a list of our partners and here's how we make money. Here's a look at how purchase protection programs work. Terms apply. Theres nothing easier than buying a gift card at the last minute. $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. Terms apply. To file a claim with Amex purchase protection, you can do so online or by calling 800-228-6855. Please review. If an eligible item is lost, accidentally broken, or stolen within 90 days of the purchase date, Amex may reimburse its value. This compensation comes from two main sources. After logging in, click "File a Claim." Go through the online claim process and provide the required information. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. Let's take a look at the current coverage on The Platinum Card from American Express as an example. Our opinions are our own. How to file a purchase protection claim with Amex. Here is a list of our partners and here's how we make money. How do I find and add Amex Offers to my Card? A copy of your primary insurance declaration page, if applicable. Instead, check the benefits guide to see the card's purchase protection coverage. To view rates and fees of the Delta SkyMiles Reserve American Express Card, see this page. We'll run a soft credit check to find special offers, but it wont affect your credit score. AmEx purchase protection also doesn't cover losses when the item isn't "reasonably safeguarded" such as leaving it in an unlocked car or publicly unattended. The Amex EveryDay Preferred Credit Card from American Express. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. 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*). I got off my flight and realized 20 minutes later that they were missing, I ran back to my gate and asked the flight attendant to go look for me and she said they weren't in my seat. Juan's passion is helping readers navigate through the complex world of frequent flier miles, credit card rewards points and award travel. 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). Call the number on the back of your card if you have any questions regarding eligibility, the documentation needed or the process required to file a claim. Help protect your eligible Dozens of AmEx cards offer purchase protection benefits. When an American Express Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. Underwritten by AMEX Assurance Company. Official application link: American Express Gold Card. Shop moreconfidently with your Card knowing we have your back. Marriott Bonvoy Business American Express Card. We believe everyone should be able to make financial decisions with confidence. 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. Credit Score ranges are based on FICO credit scoring. Authorized users are also covered, as . You will be asked certain questions about your claim at that time. Amex members get a variety of benefits including exclusive rewards and discounts, 24/7 customer service, travel benefits such as trip protection and car rental savings, and access to extraordinary events. Some premium American Express Cards also include coverage for lost items and provide coverage of up to $10,000 per incident and $50,000 per year. These online records helped me file my Amex claims quickly, rather than digging through a shoebox full of paper receipts. Check the. Hilton Honors American Express Surpass Card. Each eligible AmEx card is covered for up to $50,000 in claims per year. Other American Express business cards offer the standard $1,000. Notably, American Express prepaid debit cards do not come with this benefit. 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). This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Pre-qualified offers are not binding. 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. Items purchased for resale, professional or commercial use. You must file a claim within 30 days of your covered loss and you can do so online or by calling 800-228-6855. same thing happened to me, left a small bag under front seat. Note that purchase protection is different from price protection and extended warranty coverage, other credit card benefits you might be eligible for. Almost every American Express credit and charge card offers purchase protection of some degree. Official application link: Ink Business Cash Credit Card. The manufacturer was completely unwilling to repair or replace it, but once again I remembered my Amex extended warranty policy and filled out an online claim form. Are you sure you want to rest your choices? Negotiable instruments, such as stamps and travelers' checks. Credit ranges are a variation of FICO Score 8, one of many types of credit scores lenders may use when considering your credit card application. This influences which products we write about and where and how the product appears on a page. 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. American Express also has a range of versatile credit cards with competitive interest rates and benefits such as travel insurance, cashback, extended warranty and more! 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. All American Express cards with extended warranty benefits provide the same amount of coverage. If a recently purchased item is damaged, stolen or lost, your first step should be to determine whether the card used to purchase the item has purchase protection. To be eligible for purchase protection, you must use an American Express card equipped with this benefit and charge at least a portion of your qualifying purchase to that card. Finally, be diligent, complete and timely when you file your claims. From bedroom furniture to clothing and cellular phones to handbags, purchase protection can be a worthwhile benefitparticularly for high-priced items. The Hilton Honors American Express Business Card. Paired with up to $120 in Uber Cash (for U.S. Uber rides or Uber Eats orders) and up to $120 in annual dining statement credits at eligible partners, there's no reason that the foodie shouldn't add this card to their wallet. There are important terms to follow for this benefit, such as the length of time from the purchase date for which coverage is offered, how to submit claims and even the maximum coverage amount provided by your credit card. 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. Learn more: The best credit cards for travel insurance benefits. The most common coverage amount is $1,000 per covered incident, but some premium American Express cards cover purchases. This benefit acts as a kind of insurance against theft or damage for a period of time after you buy something. This information may be different than what you see when you visit a financial institution, service provider or specific products site. *Benefits may vary by issuer. 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. As with any insurance or coverage product, AmEx purchase protection comes with limitations and exclusions. To view rates and fees of The Platinum Card from American Express, see this page. has been collected independently by NerdWallet . Indirect or direct damage to an item or property resulting from a covered event. Please try again later. Underwritten by AMEX Assurance Company. Get more smart money moves straight to your inbox. If the item was stolen, you may need to show us a copy of the police report, or if the item was damaged, you may need to send it in to complete the claim so dont throw it out. If your item is stolen or damaged within 90 days of purchase, this policy can replace, repair or reimburse you up to $10,000 per claim or $50,000 maximum per year. It can help protect Covered Purchases made on your Eligible Card when theyre accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. 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. Terms, conditions and limitations apply. We'll run a soft credit check to find special offers, but it wont affect your credit score. Purchase Protection is amazing (Plat) Had a great experience with Amex Purchase Protection on the Plat. shopping purchases when you use your Eligible Card. Earn 4X Membership Rewards Points at Restaurants, plus takeout and delivery in the U.S. To start the process, log into your AmEx account and go to the claims center page. Reddit and its partners use cookies and similar technologies to provide you with a better experience. Meanwhile, here's the list of small business cards from AmEx with this benefit: The Business Platinum Card from American Express. How do I Earn Membership Rewards Points? Forbes Advisor created additional star ratings so that you can see the best card for specific needs. Anything purchased for resale or commercial use. The card doesnt offer price protection or return protection, though. Which cards have AmEx purchase protection, How to file an AmEx purchase protection claim, AmEx personal cards with purchase protection, Blue Cash Preferred Card from American Express, The Amex EveryDay Preferred Credit Card from American Express, Hilton Honors American Express Surpass Card, Hilton Honors American Express Aspire Card, Marriott Bonvoy Brilliant American Express Card, Delta SkyMiles Reserve American Express Card, Delta SkyMiles Platinum American Express Card, Delta SkyMiles Gold American Express Card, Delta SkyMiles Blue American Express Card, AmEx small business cards with purchase protection, The Business Platinum Card from American Express, The Blue Business Plus Credit Card from American Express, Business Green Rewards Card from American Express, Delta SkyMiles Platinum Business American Express Card, Delta SkyMiles Reserve Business American Express Card, Delta SkyMiles Gold Business American Express Card, The Hilton Honors American Express Business Card, Marriott Bonvoy Business American Express Card, However, the purchase protection coverage amounts and limitations vary between AmEx cards. And extended warranty protection offers one full year of coverage at $10,000 per item and up to $ . 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. If you have questions, please consult your own professional legal, tax and financial advisors. Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. In contrast, several premium American Express Cards provide coverage of up to $10,000 per incident, up to $50,000 per card member account per calendar year. For The Platinum Card from American Express, Delta SkyMiles Reserve American Express Card, American Express Gold Card, 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. American Express removed this perk from most of its cards effective at the start of 2020. For claims filed internationally, you can dial 1-303-273-6498. The warranty wont cover the damage, and you didnt think youd need AppleCare. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. 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. 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. You can also mail them at: Purchase Protection Claims Unit, PO Box 981553 El Paso TX 79998- 9920. To be eligible, all you have to do is charge a portion of your qualifying purchase to your American Express card but youll only be reimbursed up to the amount charged to your card. Many popular rewards credit cards come with generous welcome offers and useful benefits to attract consumers. Many times, claims examiners will ask you to submit photos of your broken item to verify its condition and American Express may request that you send your broken item to them. 995 0 obj <>stream Improve earnings, maximize rewards and track progress toward dream trips. When evaluating offers, please review the financial institutions Terms and Conditions. Most Cards allow up to $1,000 per incident, with a limit of $50,000 per year. However, only some credit cards offer purchase protection, and the benefits tend to vary across cards. Terms, Conditions and Limitations Apply. Compare the cost in points or miles to cash, and see which option is best. Consumable or perishable items such as perfume, light bulbs and batteries. From lamps to loungewear and from headphones to handbags, you can use your Eligible Card with more confidence when youre covered with Purchase Protection. Policies are underwritten by AMEX Assurance Company. As with any insurance or coverage product, AmEx purchase protection comes with limitations and exclusions. Find out here how we keep you up to date. 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. Personal hygiene items or any devices (medical or nonmedical) that have been personally used and could be considered a health risk to others. 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. 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. The card details on this page have not been reviewed or provided by the card issuer. Your financial situation is unique and the products and services we review may not be right for your circumstances. The information for the Hilton Aspire Amex card has been collected independently by The Points Guy.

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