$10,000 per claim, $50,000 per year for the American Express Gold Card, The Platinum Card from American Express and Delta SkyMiles Reserve . Purchases must be made in the U.S. or its territories1. All American Express cards with extended warranty benefits provide the same amount of coverage. 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. Click "file a claim" and select the card for which you're filing a claim, enter your date of purchase and click "continue.". You want a travel credit card that prioritizes whats important to you. All consumer American Express cards offer purchase protection for eligible purchases. 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. Something went wrong. How do I find and add Amex Offers to my Card? And extended warranty protection offers one full year of coverage at $10,000 per item and up to $ . Find the right card for you. The Amex EveryDay Preferred Credit Card from American Express. Press question mark to learn the rest of the keyboard shortcuts. Check your benefits guide for complete details. Since youll earn at least 2 Capital One miles per dollar spent on all purchases and also get extended warranty protection and return protection, this card is an excellent choice for shopping. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. Visit americanexpress.com/benefitsguide for details. Performance information may have changed since the time of publication. Battle of the premium travel rewards cards which is best for you? Items damaged by natural disasters are subject to different terms and limits notated in each cards terms and conditions. $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. Learn more: The best credit cards for travel insurance benefits. 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. 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. Finally, some American Express cards offer purchase protection even when you lose a recently-purchased item. Meanwhile, here's the list of small business cards from AmEx with this benefit: The Business Platinum Card from American Express. This benefit acts as a kind of insurance against theft or damage for a period of time after you buy something. 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. Purchase Protection Coverage Period as described below. Blue Cash Everyday Card from American Express. The Capital One Venture X Rewards Credit Card is an excellent everyday spending card. Cellphone protection is available for up to $800 per claim and up to $1,000 per year for phones listed on a monthly cellphone billed paid with the Freedom Flex card. Related: Who should (and shouldnt) get the Capital One Venture X card? $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. So, checking the terms for your AmEx card when you need coverage is essential. All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. The American Express Platinum cards are eligible for American Express Purchase Protection. 1 Terms, conditions and exclusions apply. Delta SkyMiles Platinum American Express Card. NerdWallet strives to keep its information accurate and up to date. Purchase protection offers short-term insurance for your everyday purchases, in case the items are stolen or damaged. This post contains references to products from one or more of our advertisers. When evaluating offers, please review the financial institutions Terms and Conditions. Here's a look at how purchase protection programs work. Go to the Amex extended warranty claims webpage to file online. 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.*. We may receive compensation when you click on links to those products. In this case, you must purchase an item thats eligible for coverage and the loss cant be due to an excluded reason. 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. 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. Do balance transfers affect your credit score? has been collected independently by NerdWallet . Many popular rewards credit cards come with generous welcome offers and useful benefits to attract consumers. Delta SkyMiles Blue American Express Card. Here is a list of our partners and here's how we make money. You may need to submit a police report for stolen items and a repair estimate or photos for damaged items during the claim process. |F\ba9F ~Zh1m$5(9=H$3wxMd/L}hLXI=eO*"Z:#x&OpDZH~}7~H{h9uqGM_)J'p3TFE3H8Z;t The first claim was for a childs bicycle seat that was supposed to mount on my bikes handlebars. 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. Claims usually require original receipts and the credit card statement related to the purchase. Eligibility and Benefit level varies by Card. 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. He published over 2,000 articles on The Points Guy before becoming a freelance writer. Plus, AmEx can change the coverage at any time. This compensation comes from two main sources. The ideal credit card to aim for is one that will both maximize your earning on the purchase and give you protection against theft and damage. Best Balance Transfer & 0% APR Credit Cards, NerdWallets Best Credit Card Tips for March 2023, Get more smart money moves straight to your inbox. You want a travel credit card that prioritizes whats important to you. 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. Remember that only purchases made with your eligible American Express card and only the amount charged to your card are eligible for purchase protection. Health care items and/or medical equipment. Blue Cash Preferred Card from American Express. Programs: UA 1K 0.9MM, Marriott Gold, HHonors Gold, Hertz PC, SBux Gold, TSA Pre . Finally, be diligent, complete and timely when you file your claims. FlyerTalk Evangelist. %PDF-1.6 % Purchase Protection Protect your shopping Enjoy stress-free shopping when you use your American Express Card, with 90-day Purchase Protection. Instead, check the benefits guide to see the card's purchase protection coverage. After working as a tax accountant for a decade, JT turned his analytical skills to points, miles and credit cards. 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. The Platinum Card, Gold Card, Delta SkyMiles Reserve Card, Hilton Aspire Card, and Marriott Bonvoy Brilliant Card are just a few examples. In addition to writing for Forbes.com, Aaron is a full-time professional advisor to Fortune 500 companies at a global consulting firm. Damage through altercation or modifications. American Express consumer cards all offer purchase protections for eligible purchases for 90 days from the date of purchase to file a claim. The Ink Business Cash Credit Card offers up to $10,000 per claim in purchase protection on a card with no annual fee. Earn 4X Membership Rewards Points at Restaurants, plus takeout and delivery in the U.S. Improve earnings, maximize rewards and track progress toward dream trips. This information may be different than what you see when you visit a financial institution, service provider or specific products site. endstream endobj startxref Many Amex cards offer purchase protection but coverage limits vary. 10 points per dollar on Chase Dining, hotels and car rentals when you purchase through Chase Ultimate Rewards; 5 points per dollar on flights when you purchase through Chase Ultimate Rewards; 3 points per dollar on other travel and dining; 1 point per dollar on other purchases. So for example, if someone were to break into your car and steal your laptop, youd be covered under purchase protection, as long as you purchased it with your American Express card. 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. 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. There are credit cards offering purchase protection that aren't included in this list. AmEx purchase protection excludes a long list of types of purchases, including: Antiques, artwork and previously used items. More information can be found here. Editors note: This is a recurring post, regularly updated with new information. Delta SkyMiles Reserve Business American Express Card. Youre out of luck, right? 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.
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