EgnS+JoYlUR fbcv,R38{TA\ =e`%! 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. NerdWallet strives to keep its information accurate and up to date. 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x), 3x on flights booked directly with the airline or with Amex Travel, Welcome bonus of 60,000 points after spending $4,000 in the first six months, Weak on travel outside of flights and everyday spending bonus categories. Related: Best credit cards for extended warranties. * Eligibility and benefit levels vary by card. The other card networks often offer their own purchase protections as part of their network affiliation. Purchase Protection can help protect Covered Purchases made with your Eligible Card against accidental damage, theft and sometimes provide lost coverage for certain Eligible Card products for up to 90 days from the Covered Purchase date. Card Rating is based on the opinion of TPGs editors and is not influenced by the card issuer. What You Should Know About Foreign Transaction Fees. Other shopping protections: The extended warranty protection extends eligible manufacturers warranties of three years or less by one additional year. 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. Here is a list of our partners. For claims filed internationally, you can dial 1-303-273-6498. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. $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 Plus, not all damage and losses are covered. *, 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. In contrast, more than a dozen personal American Express cards include loss as a qualified purchase protection reason in their benefits. Coverage under the Purchase Protection Program, which covers items broken, stolen, or lost (lost coverage on the Platinum and Centurion cards only) within 90 days of purchase, is up to $10,000 per occurrence on the Platinum card vs. $1,000 on the SPG card. Terms apply. 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. How To Find The Cheapest Travel Insurance. If that item is lost, stolen or damaged within the first 90 days, file a Notice of Claim within 30 days to start the claims process. and U.S. supermarkets. 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. 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. Visit americanexpress.com/benefitsguide for details. 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. 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! Remember that only purchases made with your eligible American Express card and only the amount charged to your card are eligible for purchase protection. This compensation comes from two main sources. I confess that I dont save a copy of the register receipt from every purchase I make Im just not that organized. Personal cards with purchase protections from AmEx include: The Platinum Card from American Express. Any other documentation needed to substantiate your claim. 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. Covered Eligible Purchases are items bought with your Eligible Card and are covered for the first 90 days after the day of purchase. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. Plus, your own feed of TPG content. Please visit americanexpress.com/benefitsguide for more details. Depending on the credit card, the coverage amount and the duration of the protection may differ. Visit americanexpress.com/benefitsguide for details. 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 purchase must be made in the United States, be in like new condition and the merchant must have previously denied the return. When evaluating offers, please review the financial institutions Terms and Conditions. Some may have trouble using Uber/food credits. 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. Additionally, purchase protection benefits are not payable on eligible items if the damage is caused by riots, acts of war or service in the military, normal wear and tear or damage through alteration. Find out here how we keep you up to date. The Capital One Venture X Rewards Credit Card is an excellent everyday spending card. Additional reporting by Stella Shon, Carissa Rawson, Christina Ly and Ryan Smith. Please read important exclusions and restrictions. For a complete description of the policies of your American Express card, select your card on this page. Here are the full conditions for the purchase protection: Download (PDF, 815KB) The item covered under this claim was very cheap, $42.27 for the swimwear but as long as it's covered there is no reason not to file a claim for this item. He covers credit cards, loyalty programs and family travel. Here is a list of our partners and here's how we make money. 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. This site does not include all credit card companies or all available credit card offers. If an eligible item is lost, accidentally broken, or stolen within 90 days of the purchase date, Amex may reimburse its value. Click "file a claim" and select the card for which you're filing a claim, enter your date of purchase and click "continue.". Related: How an often-overlooked credit card benefit put $1,400 back in my wallet. American Express purchase protection works by covering the damage or theft of eligible purchases for up to 90 days after the purchase date. 0 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 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). A copy of the claim settlement from your primary insurance company, if applicable. When we think of travel rewards card benefits, we tend to think of lounge access, free checked bags and companion tickets, but dont stop there. Choose the color that suits your style. American Express consumer cards all offer purchase protections for eligible purchases for 90 days from the date of purchase to file a claim. All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. The coverage is limited up to $1,000 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. You want a travel credit card that prioritizes whats important to you. 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. Motorized vehicles, their parts and accessories as well as those parts and accessories intended for use with the motorized vehicles. Are you sure you want to rest your choices? You must file a claim within 30 days of your covered loss and you can do so online or by calling 800-228-6855. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. The Centurion Card from American Express and The Business Centurion Card from American Express. Policies are underwritten by AMEX Assurance Company. Many or all of the products featured here are from our partners who compensate us. 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. Motorized vehicles, parts and accessories. While extended warranty coverage offers more comprehensive damage protection, purchase protection gives you more protection in case of theft. *Benefits may vary by issuer. Does the Gold card have purchase protection? NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. We believe everyone should be able to make financial decisions with confidence. You can do so online or by calling Amex at 1-800-322-1277. 5 points per dollar on flights booked directly with airlines or Amex Travel (up to $500,000 on these purchases per calendar year, then 1 point per dollar); 5 points per dollar on prepaid hotels booked through Amex Travel; 1 point per dollar on other purchases. Quote: Originally Posted by JeffD. 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. Indirect or direct damage to an item or property resulting from a covered event. More information can be found here. 1 Terms, conditions and exclusions apply. Many Amex cards offer purchase protection but coverage limits vary. And you'll usually be required to file a police report if you are claiming it as stolen. You must file a claim within 90 days of your original purchase through this link or by calling 800-228-6855. The claim was quickly accepted, and I was issued a statement credit for my purchase.
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