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. 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. 4. Our partners cannot pay us to guarantee favorable reviews of their products or services. 5% cash back at office supply stores and internet, cable and phone services (on up to $25,000 of purchases per year, then 1%); 2% back at gas stations and restaurants (on up to $25,000 per year in purchases, then 1%); 1% back on all other purchases. 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. 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. Check your benefits guide for complete details. If submitting a claim by phone, you will be asked certain questions about your claim. If a loss is due to theft, you may need to provide a copy of the police report. Cards with this higher level of coverage include: The information for the Centurion, Business Centurion and Hilton Aspire cards has been collected independently by The Points Guy. You must file a claim within 90 days of your original purchase through this link or by calling 800-228-6855. Youll be asked for a copy of the receipt and your Amex purchase record. Terms, Conditions and Limitations Apply. With purchase protection, you can file a claim to be reimbursed for any eligible item you bought with The Platinum Card from American Express if . This influences which products we write about and where and how the product appears on a page. Furthermore, there are only two American Express business cards that include purchase protection benefits* for lost items, which are also the Delta SkyMiles Reserve Business American Express Card and The Business Platinum Card from American Express. American Express is a financial services company that offers credit cards, debit cards, charge cards and travel services. Things To Do Before Canceling A Credit Card, Best Credit Cards For Travel Insurance Benefits, American Express Business Platinum Review, Delta SkyMiles Reserve Credit Card Review, Rotating quarterly categories earn 5% rewards when activated, up to a combined quarterly $1,500 maximum, Travel rewards rate rivals some of the best premium travel cards, Generous rewards rate in several other categories, Travel bookings must be made through Chase Ultimate Rewards to earn 5% cash back. has been a Senior Points and Miles Contributor for TPG since 2012. 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. Terms apply to the offers listed on this page. I was notified about a week later that my claim had been accepted, and I was issued a statement credit for the purchase price. Best card for premium perks while traveling, Capital One Venture X Rewards Credit Card, The Business Platinum Card from American Express, Disney Cruise Lines Castaway Club loyalty program: Everything you need to know, 21 new Hyatt hotels where you can get 500 extra points per night, My first cruise to the Galapagos: The good, the bad and the absolutely adorable. Its a good idea to keep damaged items until the claim is complete. Like insurance, purchase protection is one of those things that you hope you never have to use. Purchase protection doesnt require any registration in advance. Call 1-800-243-0198 for more information. Credit cards vary in the amount and duration of coverage provided, so make sure to read the terms and conditions. Other shopping protections: Extended warranty protection offers an additional year on eligible warranties of three years or less. Pre-qualified offers are not binding. Any purchase that is not in an excluded category and is made with a qualifying American Express card will receive purchase protection. How do I Redeem Membership Rewards Points. Pre-qualified offers are not binding. Platinum. Select the Card below to read the full terms and conditions for Return Protection related to that Card. I was not asked to return the items in question in either case. Items voluntarily or involuntarily discarded. 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. We may receive compensation when you click on links to those products. 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. However, if your item is just lost or missing, you wont need a police report. 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. The annual maximum is also pretty generous at $50,000 per year for most cards. Let's take a look at the current coverage on, holders are covered for up to 90 days from the date of a covered purchase of an eligible item. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Here is a list of our partners. 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. Amex purchase protection lasts for 90 days from the purchase date. The coverage maximum with most American . To file a claim with Amex purchase protection, you can do so online or by calling 800-228-6855. Not if you used the right credit card to make the purchase. If an eligible item is lost, accidentally broken, or stolen within 90 days of the purchase date, Amex may reimburse its value. Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased through. 3 yr. ago. * Eligibility and benefit levels vary by card. Each category has certain conditions attached to it. How to File a Return Protection Request Click "file a claim" and select the card for which you're filing a claim, enter your date of purchase and click "continue.". 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. 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. Thankfully, many credit cards offer so-called "purchase protection" that covers theft, damage and loss within a set time after purchase. Though the majority of cards within the American Express portfolio carry purchase protection as a perk, you wont get the same level of coverage from all credit cards. Plus, your own feed of TPG content. has been collected independently by NerdWallet. So you finally splurged for an Apple Watch and broke it a week later. Please review. What You Should Know About Foreign Transaction Fees. 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. is no longer available through NerdWallet. **, Morgan Stanley Blue Cash Preferred American Express Card.**. Forbes Advisor created additional star ratings so that you can see the best card for specific needs. Underwritten by AMEX Assurance Company. How to file a purchase protection claim with Amex. For an explanation of our Advertising Policy, visit. when you need coverage is essential. Find the right card for you. The material made available for you on this website, Send Money & Split Purchases: Venmo and PayPal, Credit Intel Financial Education Center. 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.). 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. 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. 0 Instead, check the benefits guide to see the card's purchase protection coverage. Policies are underwritten by AMEX Assurance Company. 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. $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. Good news: AMEX includes Purchase Protection as a benefit on all of its cards shown here. to see if your incident is covered. This compensation comes from two main sources. Earn 3X Membership Rewards points on flights booked directly with airlines or on amextravel.com. 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. After logging in, click "File a Claim." Go through the online claim process and provide the required information. Return Protection1 Maximum coverage per purchase protection claim: $1,000 per item ($500 per event if related to a natural disaster). 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. Each eligible AmEx card is covered for up to $50,000 in claims per year. The Platinum Card from American Express American Express Gold Card and Delta SkyMiles Reserve American Express Card are just a few examples. These are provided as guidelines only and approval is not guaranteed. and U.S. supermarkets. 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. When deciding which travel rewards card to use for large purchases, its important to look beyond the points and miles you earn. Check the details of your card's coverage to see if your incident is covered. All policies have a maximum limit of $50,000 in claims per calendar year. NerdWallet strives to keep its information accurate and up to date. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. If your item was stolen, you may need to show American Express a copy of the police report. 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. 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. If an eligible item is lost, accidentally broken, or stolen within 90 days of the purchase date, Amex may reimburse its value. 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. However, not all purchases and losses are covered by AmEx purchase protection. By taking advantage of the valuable shopping protection policies offered by most American Express cards, you can save hundreds (or even thousands) of dollars when a purchase doesnt work out the way you hoped. 995 0 obj <>stream Location: ZOA, SFO, HKG. If you purchase a high-end $2,500 laptop, you should charge it to your premium card with a $10,000 per incident limit rather than a card with a $1,000 per incident coverage limit. %PDF-1.6 % For Capital One products listed on this page, some of the above benefits are provided by Visa or Mastercard and may vary by product. Find the right card for you. For a complete description of the policies of your American Express card, select your card on this page. Instead, check the benefits guide to see the card's purchase protection coverage. Several credit cards may even provide protection if you lose a recently-purchased item. For most people, the purchase protection benefit offered by some credit cards flies under the radar. You might be using an unsupported or outdated browser. Business Green Rewards Card from American Express is no longer available through NerdWallet. Theres nothing easier than buying a gift card at the last minute. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105, Purchase Protection: Which Credit Cards Cover Your Belongings. 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. %%EOF Terms, Conditions and Limitations Apply. This benefit acts as a kind of insurance against theft or damage for a period of time after you buy something. This post contains references to products from one or more of our advertisers. The Hilton Honors American Express Business Card. Authorized users are also covered, as . We may receive compensation when you click on links to those products. Plus, AmEx can change the coverage at any time. Business cards are no exception. Our partners compensate us. Earning rates: 4 points per dollar spent at restaurants and on the first $25,000 spent at U.S. supermarkets each calendar year (then 1 per dollar); 3 points per dollar spent on flights booked directly with airlines or on Amex Travel; 1 point per dollar spent on other purchases. This information may be different than what you see when you visit a financial institution, service provider or specific products site. 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.*. Delta SkyMiles Platinum American Express Card. Marriott Bonvoy Business American Express Card. Benefits also includes a per occurrence maximum for any one Purchase Protection Covered Event related to a Natural Disaster as describedbelow . Compact discs, digital video discs, mini discs, audiotapes and videotapes. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Big spenders should note that the purchase protection on The Platinum Card from American Express only covers up to $10,000 per covered purchase. Terms apply. *Excess of 50 applies. Many other issuers offer some form of damage against loss or theft for eligible items purchased with the card. AmEx makes it easy to file a purchase protection claim on its website. Health care items and/or medical equipment. Let's take a look at the current coverage on The Platinum Card from American Express as an example. Purchase Protection is amazing (Plat) Had a great experience with Amex Purchase Protection on the Plat. This card shines for this use, but overall the star ratings may differ when compared to other cards. To provide notice you can call Amex at the following phone number: 1-800-322-1277 or, if from overseas, by calling collect 1-303-273- 6498. Many or all of the products featured here are from our partners who compensate us. Once American Express has all the information needed to process your claim, theyll notify you via email once a decision has been made.