Welcome bonus: Earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first six months of card membership. Reddit and its partners use cookies and similar technologies to provide you with a better experience. Provided you purchased them less than 90 days ago you should be covered. Many or all of the products featured here are from our partners who compensate us. Many Amex cards offer purchase protection but coverage limits vary. Amex Extended Warranty | The Ascent - The Motley Fool So you finally splurged for an Apple Watch and broke it a week later. However, certain premium cards cover your purchases for up to $10,000 per incident, with the same limit of up to $50,000 in total claims per calendar year.*. For rates and fees of the Amex Gold Card, please click here.For rates and fees of the Blue Cash Everyday, please click here.For rates and fees of the Amex Platinum Card, please click here.For rates and fees of the Hilton Aspire, please click here.For rates and fees of the Delta Reserve, please click here. How do I Redeem Membership Rewards Points. American Express processes claims more quickly than some other issuers. Once American Express has all the information needed to process your claim, theyll notify you via email once a decision has been made. The Forbes Advisor editorial team is independent and objective. Often, you will get a response to your initial claim inquiry within 48 hours. Official application link: Ink Business Cash Credit Card. 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. So, checking. 3 yr. ago. To view rates and fees of the American Express Gold Card, see this page. If filing a damaged or stolen item claim, you may be asked to demonstrate a photograph showing the damage to your item. Its a good idea to keep damaged items until the claim is complete. Juan is a travel writer that specializes in travel and personal finance, including content on credit card products and airline and hotel loyalty programs. American Express Purchase Protection - FlyerTalk Forums Any other documentation needed to substantiate your claim. The card doesnt offer price protection or return protection, though. 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). Dozens of cards offer this benefit. Choose the color that suits your style. Big spenders should note that the purchase protection on The Platinum Card from American Express only covers up to $10,000 per covered purchase. Shopping Protection | American Express US Terms, conditions and limitations apply. Recently bought a Pacsafe bag that basically fell apart on the first trip out. All information about Business Green Rewards Card from American Express has been collected independently by NerdWallet. Yes, cardmembers of the American Express Gold Card are covered by AmEx's purchase protection coverage. 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. Maximum coverage per account for purchase protection: $50,000 per card per calendar year. 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. How Amex Platinum Price Protection Works - WalletHub Beyond that, I think its prudent to factor these protections into your decision of which card to use whenever you make a large purchase. Gold or Rose Gold. PDF Return Protection - American Express AmEx purchase protection covers lost, stolen or damaged items within the first 90 days after purchase. Editors note: This is a recurring post, regularly updated with new information. However, only some credit cards offer purchase protection, and the benefits tend to vary across cards. How to File a Return Protection Request Although this guide focuses on purchase protection, you should also consider benefits like return protection, price protection and extended warranty. 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. Purchase Protection Question : r/amex - Reddit From bedroom furniture to clothing and cellular phones to handbags, purchase protection can be a worthwhile benefitparticularly for high-priced items. A copy of your primary insurance declaration page, if applicable. Damage through altercation or modifications. Terms apply. The purchase must be made in the United States, be in like new condition and the merchant must have previously denied the return. Health care items and/or medical equipment. 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. 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. Failing that, I also can search my order history at Amazon, eBay and other online retailers I use. You must provide an original store receipt (or a printout of an online receipt). An itemized receipt from the retailer showing the purchase. The material made available for you on this website, Send Money & Split Purchases: Venmo and PayPal, Credit Intel Financial Education Center. 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. Not lost, you know where you left it, and someone took it knowing it did not belong to them. The Points Guy, Forbes Advisor, AwardWallet, LendingTree. Purchase protection can save your skin and protect the items you've purchased if a recently-bought item is damaged or stolen. For example Mastercard offers Purchase Assurance to many Mastercard holders. Also, note that some losses are excluded such as if you left the item in an unlocked car. Related: Everything you need to know about Amex purchase protection. Be ready to provide an itemized online receipt or original store receipt of the item as you will need it to receive claim consideration. Amex has you covered in that instance, too. This site does not include all credit card companies or all available credit card offers. The material made available for you on this website, Credit Intel, is for informational purposes only and is not intended to provide legal, tax or financial advice. only covers up to $10,000 per covered purchase. Please visit americanexpress.com/benefitsguide for more details. Notably, American Express prepaid debit cards do not come with this benefit. Purchase protection doesnt require any registration in advance. 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. 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). Our opinions are our own. If an eligible item is lost, accidentally broken, or stolen within 90 days of the purchase date, Amex may reimburse its value. Our opinions are our own. Finders keepers is not really a thing. Cristina Gibson is a writer and journalist who has covered consumer goods, fashion, technology, and travel for more than 15 years. For an explanation of our Advertising Policy, visit. Welcome bonus: Earn $900 cash back after you spend $6,000 on purchases in the first three months of account opening. Business cards are no exception. Check here before booking an award fare. Its smart technology that helps us make sure its really you when shopping online. 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. Purchase Protection Coverage Period as described below. For claims filed internationally, you can dial 1-303-273-6498. Terms, conditions and limitations apply. update? AmEx purchase protection generally covers theft, loss and damage to eligible items within 90 days of purchase. AmEx Purchase Protection: What You Need to Know - NerdWallet 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! 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 cards with purchase protections from AmEx include: The Platinum Card from American Express. Terms apply. Learn more: The best credit cards for travel insurance benefits. Performance information may have changed since the time of publication. Terms apply. The claim should be provided within thirty (30) days of the loss or as soon as reasonably possible. this adds to already-existing purchase protection and extended warranty . The Amex EveryDay Preferred Credit Card from American Express is no longer available through NerdWallet. Although this is an oft-overlooked benefit, purchase protection can provide exceptional value. 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. 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. Items not being safeguarded or left at an unlocked location. Pre-qualified offers are not binding. and U.S. supermarkets. There is a maximum coverage amount of $10,000 per item and $50,000 per calendar year.*. $10,000 per claim, $50,000 per year for the, Delta SkyMiles Reserve American Express Card. has been collected independently by NerdWallet . Shop moreconfidently with your Card knowing we have your back. You may even be asked to send in a damaged item or a picture for proof of loss, so be sure to keep all of these until the claim is resolved. 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. To view rates and fees of The Platinum Card from American Express, see this page. Amazon marketplace merchant won't accept returns after 30 days. This purchase protection product covers damage and theft, but only up to $500 per claim and $50,000 per account. Check here before booking an award fare. Purchase Protection is amazing (Plat) Had a great experience with Amex Purchase Protection on the Plat. 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.