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. 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. The best credit cards for purchase protection - The Points Guy How American Express Purchase Protection Works See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. Many or all of the products featured here are from our partners who compensate us. 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. Damage through altercation or modifications. Purchase protection will reimburse you for theft, loss or accidental damage to eligible items that occurred within 90 days of purchase. How do I Earn Membership Rewards Points? American Express processes claims more quickly than some other issuers. 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. Create an account to follow your favorite communities and start taking part in conversations. However, this card is so packed with benefits that this coverage doesn't make the card's highlights on the AmEx website. Does AmEx purchase protection cover lost items? Join Date: Aug 2009. 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. Check your benefits guide for complete details. The Ink Business Cash Credit Card offers up to $10,000 per claim in purchase protection on a card with no annual fee. Compact discs, digital video discs, mini discs, audiotapes and videotapes. Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Check the details of your card's coverage to see if your incident is covered. However, this does not influence our evaluations. Quote: Originally Posted by JeffD. Coverage applies for 90 days after purchasing the item. Here is a list of our partners. *Eligibility and Benefit level varies by Card. If filing online, you will be prompted to submit required documents to support your claim. With most Amex cards, youre covered for up to $1,000 per covered incident and up to $50,000 per year, but the reimbursement doesnt include any shipping or handling expenses. 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. 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. Here is a list of our partners. PDF Return Protection - American Express How To Find The Cheapest Travel Insurance. For a complete description of the policies of your American Express card, select your card on this page. The most common coverage amount is $1,000 per covered incident, but some premium American Express cards cover purchases up to $10,000 per incident. Check the. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage can vary based on your state of residence, though, and bonus categories sometimes have caps. 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. From lamps to loungewear and from headphones to handbags, you can use your Eligible Card with more confidence when youre covered with Purchase Protection. 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. Eligibility and Benefit level varies by Card. You can also mail them at: Purchase Protection Claims Unit, PO Box 981553 El Paso TX 79998- 9920. 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. Check your benefits guide for complete details. We may receive compensation when you click on links to those products. However, these cards didnt make the list because at least one card discussed above featured similar or better purchase protection with either a lower annual fee or better earning rate on categories where youd most likely need purchase protection. 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. Delta SkyMiles Reserve American Express Card. update? Please visit americanexpress.com/benefitsguide for more details. 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. All Credit Intelcontent is written by freelance authors and commissioned and paid for by American Express. You will be asked certain questions about your claim at that time. For a complete description of the policies of your American Express card, select your card on this page. Buyer's Assurance Protection Plan extends the original equipment manufacturer's basic warranty, the plan will not extend any additional coverage purchased from the manufacturer, retailer or any other source. Purchase Protection: Which Credit Cards Cover Your Belongings However, only some credit cards offer purchase protection, and the benefits tend to vary across cards. 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 Amex cards offer purchase protection but coverage limits vary. 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. About the author: Ben Luthi is a former credit card specialist for NerdWallet. Hilton Honors American Express Surpass Card. The American Express Platinum cards are eligible for American Express Purchase Protection. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Terms apply. Who should (and shouldnt) get the Capital One Venture X card? If successful, you will get a follow-up email letting you know the details of the outcome and instructions on how to replace, repair or get reimbursement for the lost or damaged item. 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. Plus, AmEx can change the coverage at any time. shopping purchases when you use your Eligible Card. All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. Any other documentation needed to substantiate your claim. This card has the brawn to handle just about all of your credit card spending needs without an over-inflated price tag. and U.S. supermarkets. Policies are underwritten by AMEX Assurance Company. Lost/stolen iPad- will purchase protection cover it? How do I Redeem Membership Rewards Points. 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. 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. Please review. Hence, its worth referencing the guide to benefits for each card in your wallet to determine whether they have that coverage as well as other valuable shopping and travel protections. This should be covered under lost item assuming you have the receipt etc. And be aware of excluded purchases, too. Welcome bonus: Earn $900 cash back after you spend $6,000 on purchases in the first three months of account opening. The card details on this page have not been reviewed or provided by the card issuer. Credit Card Purchase Protection | American Express UK 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. Earn 100,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 3 months. This benefit offers cardholders compensation when a store will not accept an eligible item for return within 90 days of purchase. Provided you purchased them less than 90 days ago you should be covered. Enrollment required. Juan's passion is helping readers navigate through the complex world of frequent flier miles, credit card rewards points and award travel. 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. Subject to additional terms, conditions and exclusions. This guide will describe the basics of credit card purchase protection and detail the credit cards that offer the best coverage. Related: Why I switched from the Chase Freedom to the Chase Freedom Flex. Related: Best credit cards with purchase protection. 2 points per dollar on flights booked directly with United, dining and hotel stays when booked directly with the hotel; 1 point per dollar on other purchases. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. Amex Platinum Lost Item Purchase Protection Question So I recently. Terms apply. Cash and its equivalent (including, but not limited to, gift cards and gift certificates). Note that purchase protection is different from price protection and extended warranty coverage, other credit card benefits you might be eligible for. Also, note that some losses are excluded such as if you left the item in an unlocked car. Purchase Protection is amazing (Plat) Had a great experience with Amex Purchase Protection on the Plat. Posts: 13,805. If an eligible item is lost, accidentally broken, or stolen within 90 days of the purchase date, Amex may reimburse its value. Other shopping protections: The extended warranty protection extends eligible manufacturers warranties of three years or less by one additional year. Your complete guide to shopping protections on American Express cards, Delta SkyMiles Reserve American Express Card, Delta SkyMiles Reserve Business American Express Card, Marriott Bonvoy Brilliant American Express Card, Hilton Honors Aspire Card from American Express, The Business Platinum Card from American Express, Hilton Honors American Express Aspire Card, Blue Cash Preferred Card from American Express, The Blue Business Plus Credit Card from American Express, Best credit cards for extended warranties, The best credit cards with price protection, Do Not Sell or Share My Personal Information. 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. Please review. Are you sure you want to rest your choices? Eligibility and Benefit level varies by Card. All information about Business Green Rewards Card from American Express has been collected independently by NerdWallet. Submitted a claim and it was approved the next day. Would probably help your claim, Amex should be able to help you out. Related: Everything you need to know about Amex purchase protection. Terms apply. Its easy to write off these policies as being too much of a hassle or, conversely, being too good to be true. Maximum coverage per purchase protection claim: $10,000. All financial products, shopping products and services are presented without warranty. Coverage Limits Apply. Finally, some American Express cards offer purchase protection even when you lose a recently-purchased item. The information for the Hilton Aspire Amex card has been collected independently by The Points Guy. Maximum coverage per account for purchase protection: $50,000 per card per calendar year. Purchase protection benefits offered by credit cards often differ in three main aspects: Related: Purchase protection saved us $1,700 a reader success story. 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. Improve earnings, maximize rewards and track progress toward dream trips. In the event of theft, you must also include a copy of a police report. You will need to provide American Express with the original store receipt or a printout of an online receipt. Most Cards allow up to $1,000 per incident, with a limit of $50,000 per year. 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. Other shopping protections: Extended warranty protection offers an additional year on eligible warranties of three years or less. JavaScript must be enabled to experience the American Express website and to log in to your account. Everything you need to know about Amex purchase protection 0% intro APR for 15 months from account opening on purchases and balance transfers. $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 Cristina Gibson is a writer and journalist who has covered consumer goods, fashion, technology, and travel for more than 15 years. 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. The card has an annual fee of $0, yet comes with a pumped-up earnings structure that covers a wide swath of expenses including travel, drugstores and dining plus rotating quarterly bonus categories in areas many households are likely to find appealing. You would only be reimbursed up to the amount charged on the card. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. Welcome bonus: Earn 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening. So, checking. Maximum coverage per purchase protection claim: $500. Improve earnings, maximize rewards and track progress toward dream trips. 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. How Amex Platinum Purchase Protection Works - WalletHub 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. So, checking the terms for your AmEx card when you need coverage is essential. Programs: UA 1K 0.9MM, Marriott Gold, HHonors Gold, Hertz PC, SBux Gold, TSA Pre . Help protect your eligible Purchase protection can save your skin and protect the items you've purchased if a recently-bought item is damaged or stolen. Business fixtures including air conditioners, refrigerators and heaters. Some may have trouble using Uber/food credits. Earning rates: 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and on travel booked through the Ultimate Rewards portal; 3% cash back on dining and drugstores; 1% cash back on all other purchases. He published over 2,000 articles on The Points Guy before becoming a freelance writer. Remember that only purchases made with your eligible American Express card and only the amount charged to your card are eligible for purchase protection. 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. Official application link: Ink Business Cash Credit Card. Terms apply. This compensation comes from two main sources. That proof of loss depends on the circumstances. Press J to jump to the feed. After working as a tax accountant for a decade, JT turned his analytical skills to points, miles and credit cards. $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Terms apply. This post contains references to products from one or more of our advertisers. If an item is stolen, file a police report immediately. Return protection differs from AmEx's purchase protection, which covers you if a purchase is lost or stolen within 90 days. this adds to already-existing purchase protection and extended warranty . * Eligibility and benefit levels vary by card. Compare the cost in points or miles to cash, and see which option is best. Amex has you covered in that instance, too. Ben Luthi is a former credit card specialist for NerdWallet. The material made available for you on this website, Send Money & Split Purchases: Venmo and PayPal, Credit Intel Financial Education Center. Additional reporting by Stella Shon, Carissa Rawson, Christina Ly and Ryan Smith. , AmEx purchase protection only covers a maximum of $500 in claims per event. American Express Purchase Protection - FlyerTalk Forums Policies are underwritten by AMEX Assurance Company. hbbd``b`@/P k ";d100O@ T9 3 But can you use your credit card to do so? American Express Platinum Lost Card - WalletHub Buts its still "status open" now and have no update. There are credit cards offering purchase protection that aren't included in this list. For example, the Blue Cash Everyday Card from American Express and Amex EveryDay Credit Card* credit cards carry up to $1,000 coverage per incident, up to $50,000 per card member account per calendar year (Terms apply.). Amex Platinum Lost Item Purchase Protection Question : r/amex - reddit However, you may want to use a card with price protection or a card that extends warranties by two years instead of just one year for some purchases. 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. New comments cannot be posted and votes cannot be cast. How do I find and add Amex Offers to my 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. 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.