Amex purchase protection lasts for 90 days from the purchase date. An itemized receipt from the retailer showing the purchase. If your item was stolen, you may need to show American Express a copy of the police report. Terms, conditions and limitations apply. Can You Buy Gift Cards with a Credit Card? Underwritten by AMEX Assurance Company. Delta SkyMiles Platinum Business American Express Card: $15 back per month on U.S . 4. The Platinum Card from American Express American Express Gold Card and Delta SkyMiles Reserve American Express Card are just a few examples. 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. You can do so online or by calling Amex at 1-800-322-1277. He covers credit cards, loyalty programs and family travel. Our partners compensate us. FlyerTalk Evangelist. Please visit americanexpress.com/benefitsguide for more details. 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. 3 yr. ago. 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 . The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Many or all of the products featured here are from our partners who compensate us. 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. You will need to provide American Express with the original store receipt or a printout of an online receipt. 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. All information about Amex EveryDay Credit Card has been collected independently by NerdWallet . Anything purchased for resale or commercial use. This information may be different than what you see when you visit a financial institution, service provider or specific products site. 3 points per dollar on eligible Delta purchases; 1 point per dollar on other purchases. Maximum coverage per purchase protection claim: $10,000 per item ($500 per event related to a natural disaster). We lost some recently purchased shoes at an Airbnb and despite the cleaning team looking multiple times it was nowhere to be found. So I recently. For most people, the purchase protection benefit offered by some credit cards flies under the radar. Related: Best credit cards for extended warranties. Please view our advertising policy page for more information. Check your benefits guide for complete details. You want a travel credit card that prioritizes whats important to you. Policies are underwritten by AMEX Assurance Company. Other shopping protections: Extended warranty protection adds an additional year to eligible manufacturers warranties of three years or less while return protection covers returns within 90 days of purchase. The following items are excluded from this policy: See the entire return protection policy for your card here. Shop safe withSafeKey. 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. More information can be found, American Express makes it easy you can file your claim. 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. This card might not be the right fit if you're looking for price protection or earning more than 1 point per dollar spent on most purchases that are eligible for purchase protection. If you have questions, please consult your own professional legal, tax and financial advisors. Plus, AmEx can change the coverage at any time. Visit americanexpress.com/benefitsguide for details. Let's look at how Amex purchase protection works, which AmEx cards feature it and the limitations and exclusions of this coverage. You must file a claim within 30 days of your covered loss and you can do so online or by calling 800-228-6855. 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. Services and additional costs, such as installation charges, warranties, shipping, handling and memberships. The American Express Platinum cards are eligible for American Express Purchase Protection. Thankfully, its really easy to search my email inbox to find receipts for everything Ive bought online. The card details on this page have not been reviewed or provided by the card issuer. 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. 3 points per dollar on travel, shipping, internet services, cable services, phone services and advertising with social media sites/search engines (on the first $150,000 in combined purchases each account anniversary year, then 1 point per dollar); 1 point per dollar on other purchases. All you need to do to get this coverage is to use your eligible AmEx card to make a covered purchase of a tangible item. Blue Cash Everyday Card from American Express. Other categories excluded are animals, living plants, rare stamps, coins, negotiable instruments such as travelers checks, objects rented, leased or borrowed, anything purchased for resale or commercial use, permanent household items such as carpet, flooring, air conditioners and refrigerators, as well as medical or dental equipment or devices. %%EOF
You might be using an unsupported or outdated browser. Often, you will get a response to your initial claim inquiry within 48 hours. Objects such as motorized vehicles, artwork, gift cards and perishable items like perfume, food, light bulbs and batteries are all typically ineligible for purchase protection coverage. Please try again later. Be the first to know if we spot anything odd or unusual on your account, thanks to our account and fraud alerts. All American Express cards with extended warranty benefits provide the same amount of coverage. We may receive compensation when you click on links to those products. This coverage is complimentary on most AmEx cards including some debit,. Maximum coverage per purchase protection claim: $500. The purchase must be made in the United States, be in like new condition and the merchant must have previously denied the return. Something went wrong. its said 10 business but its already past. Editors note: This is a recurring post, regularly updated with new information. Amex will reimburse you up to a maximum of $1,000 per card member account per calendar year based on the date of purchase. Please review. Notably, American Express prepaid debit cards do not come with this benefit. When you purchase an item with a manufacturer's warranty, this benefit can add an extra year to the warranty. Terms, conditions and limitations apply. Terms apply. Blue Cash Preferred Card from American Express. Terms and conditions will apply. $10,000 per claim, $50,000 per year for the, Delta SkyMiles Reserve American Express Card. Can You Get a Credit Card Without a Social Security Number? Here, you'll need to provide a copy of the purchase receipt and proof of loss. 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. 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. When deciding which travel rewards card to use for large purchases, its important to look beyond the points and miles you earn. Check here before booking an award fare. Keep track of all the required documentation, such as the original store receipt or a printout of an online receipt. The Platinum also offers 90 days of return protection, up to $300 per item. Almost every American Express credit and charge card offers purchase protection of some degree. Welcome bonus: Earn $200 cash back after spending $500 on purchases in your first three months of account opening. The information for the Amex Green Card has been collected independently by The Points Guy. Buts its still "status open" now and have no update. Do not sell or share my personal information. The Capital One Venture X Rewards Credit Card is an excellent everyday spending card. $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. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Books, magazines or periodicals of any kind. Disclaimer: NerdWallet strives to keep its information accurate and up to date. If an eligible item is lost, accidentally broken, or stolen within 90 days of the purchase date, Amex may reimburse its value. However, this does not influence our evaluations. Cards that still offer this benefit include: ** The information for these cards has been collected independently by The Points Guy. You can view the full extended warranty policy for each card. Terms, conditions and limitations apply. When evaluating offers, please review the financial institutions Terms and Conditions. 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. Enrollment required. Purchase Protection can cover the cost of lifes uh-oh moments, so you can be more confident when buying with your Eligible Card. 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. Submitted a claim and it was approved the next day. Join Date: Aug 2009. Authorized users are also covered, as . Tip: Use WalletFlo for all your credit card needs. Consumable or perishable items like food and batteries. , AmEx purchase protection only covers a maximum of $500 in claims per event. 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. Pre-qualified offers are not binding. The Amex EveryDay Preferred Credit Card from American Express is no longer available through NerdWallet. TPG values this bonus at $1,388. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Quote: Originally Posted by JeffD. Unfortunately, if you're affected by a natural disaster, AmEx purchase protection only covers a maximum of $500 in claims per event. All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. 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. Please visit americanexpress.com/benefitsguide for more details. Coverage limits apply. 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*). However, this does not influence our evaluations. Purchase protection will reimburse you for theft, loss or accidental damage to eligible items that occurred within 90 days of purchase. The Platinum Card, Gold Card, Delta SkyMiles Reserve Card, Hilton Aspire Card, and Marriott Bonvoy Brilliant Card are just a few examples. Terms apply. Reddit and its partners use cookies and similar technologies to provide you with a better experience. For example, if you have an American Express card, the chances are that card provides AmEx purchase protection. Amex purchase protection has been absolutely fantastic for the occasional janky Amazon purchase, particularly marketplace items. If your Card is not listed on this page, if you are an Additional Card Member, or to determine whether you have coverage, please call the number on the back of your Card to verify your benefits View Policy View Policy View Policy View Policy Amex's extended warranty perk applies to warranties of five years or less. Failing that, I also can search my order history at Amazon, eBay and other online retailers I use. 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. I started a claim on Feb 11 and Uploaded the Claim Form and Store receipt on Feb 13. However, the purchase protection coverage amounts and limitations vary between AmEx cards. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. 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. Its easy to write off these policies as being too much of a hassle or, conversely, being too good to be true. The Ink Business Cash Credit Card offers up to $10,000 per claim in purchase protection on a card with no annual fee. and U.S. supermarkets. Terms apply. 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.*. Finally, some American Express cards offer purchase protection even when you lose a recently-purchased item. Improve earnings, maximize rewards and track progress toward dream trips. 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. 995 0 obj
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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. Plus, your own feed of TPG content. NerdWallet strives to keep its information accurate and up to date. This influences which products we write about and where and how the product appears on a page. Here is a list of our partners. There are a multitude of purchases that are excluded from purchase protection. Other shopping protections: Extended warranty protection offers one additional year of coverage for items with an original manufacturers warranty of five years or less. Pre-qualified offers are not binding. Theres nothing easier than buying a gift card at the last minute. Card Rating is based on the opinion of TPGs editors and is not influenced by the card issuer. Purchase Protection is underwritten by AMEX Assurance Company. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. Gold or Rose Gold. Credit cards vary in the amount and duration of coverage provided, so make sure to read the terms and conditions. As with any insurance policy, the devil is always in the details. We'll run a soft credit check to find special offers, but it wont affect your credit score. Posts: 13,805. Select "purchase protection" on the next page and continue the process. Press question mark to learn the rest of the keyboard shortcuts. Shop more. Also, note that some losses are excluded such as if you left the item in an unlocked car. The Points Guy, Forbes Advisor, AwardWallet, LendingTree. Our partners cannot pay us to guarantee favorable reviews of their products or services. For an explanation of our Advertising Policy, visit. Earn a $200 bonus after spending $500 on purchases in your first 3 months from account opening. You'll notice that nearly all AMEX cards offer this benefit, so chances are you're already covered. The claim was quickly accepted, and I was issued a statement credit for my purchase. Once youve submitted the necessary supporting documents, American Express will send you an email confirmation stating your documents were received. For example, AmEx won't approve a claim for damage to an item "purchased for play." In the event of theft, you must also include a copy of a police report. are covered by AmEx's purchase protection coverage. Pre-qualified offers are not binding. An increasing number of brick-and-mortar retailers (from The Home Depot to the Apple Store) will now email you a receipt from the register. This card has the brawn to handle just about all of your credit card spending needs without an over-inflated price tag. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105, The Guide to AmEx Purchase Protection on Travel Cards. 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. Underwritten by AMEX Assurance Company. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. When considering which card to use for your next big purchase, dont forget about the purchase protection coverage perk on your American Express cards. Check the details of your card's coverage to see if your incident is covered. 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. Welcome bonus: Earn $900 cash back after you spend $6,000 on purchases in the first three months of account opening. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Do balance transfers affect your credit score? Terms, Conditions and Limitations Apply. Her focus at TPG is points, miles, loyalty and credit cards. pAxTu:E4 VB8H_
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JI. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105, Purchase Protection: Which Credit Cards Cover Your Belongings. Recently bought a Pacsafe bag that basically fell apart on the first trip out. You will be asked certain questions about your claim at that time. You must provide an original store receipt (or a printout of an online receipt). Return Protection1 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. Motorized vehicles, their parts and accessories as well as those parts and accessories intended for use with the motorized vehicles. American Express makes it easy - you can file your claim online or by giving us a call at 1-800-322-1277; if international, call collect at 1-303-273-6498. 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). Please visit americanexpress.com/benefitsguide for more details. Items purchased for resale, professional or commercial use. 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. Big spenders should note that the purchase protection on. If you need to make a claim, you will receive a reimbursement either for the item or the cost to replace the item, up to the coverage limits on your American Express card. How Much Are Travel Points and Miles Worth in 2023? PSA: Never ever ever put anything in the seat pocket of an airplane. To start the process, log into your AmEx account and, Like insurance, purchase protection is one of those things that you hope you never have to use. Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased through. is a location independent digital nomad who has traveled full time since June 2017. We'll run a soft credit check to find special offers, but it wont affect your credit score.