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. The rotating bonus categories offered by the Chase Freedom Flex make it an excellent choice for purchases that fit into bonus categories. One-of-a-kind items, such as antiques and artwork, or limited-edition items. 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 . So, checking the terms for your AmEx card when you need coverage is essential. All Credit Intelcontent is written by freelance authors and commissioned and paid for by American Express. Learn more: How to add money-saving AmEx . AmEx purchase protection excludes a long list of types of purchases, including: Antiques, artwork and previously used items. American Express consumer cards all offer purchase protections for eligible purchases for 90 days from the date of purchase to file a claim. American Express Return Protection Guide: (Exclusions, Claims) [2021] Have you considered how much it will cost to use credit card while traveling abroad? In contrast, several premium American Express Cards provide coverage of up to $10,000 per incident, up to $50,000 per card member account per calendar year. Earn 60,000 Membership Rewards points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership. , other credit card benefits you might be eligible for. AmEx makes it easy to file a purchase protection claim on its website. By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. Are you sure you want to rest your choices? The card details on this page have not been reviewed or provided by the card issuer. American Express makes it easy for you to file a claim for your lost, damaged or stolen item within 90 days from the date of your purchase. Amex's purchase protection vs other cards' better rewards rates When evaluating offers, please review the financial institutions Terms and Conditions. Pre-qualified offers are not binding. This benefit offers cardholders compensation when a store will not accept an eligible item for return within 90 days of purchase. 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. Beyond that, I think its prudent to factor these protections into your decision of which card to use whenever you make a large purchase. Business cards are no exception. Hilton Honors American Express Surpass Card. Cash and its equivalent (including, but not limited to, gift cards and gift certificates). $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. 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). Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. 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. This should be covered under lost item assuming you have the receipt etc. Improve earnings, maximize rewards and track progress toward dream trips. We believe everyone should be able to make financial decisions with confidence. You must file a claim within 30 days of loss through this link or by calling 800-228-6855. 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. Terms apply to the offers listed on this page. You might be using an unsupported or outdated browser. How Amex Platinum Purchase Protection Works - WalletHub The Platinum Card from American Express American Express Gold Card and Delta SkyMiles Reserve American Express Card are just a few examples. All information about The Amex EveryDay Preferred Credit Card from American Express has been collected independently by NerdWallet. All financial products, shopping products and services are presented without warranty. 3 yr. ago. How Much Are Travel Points and Miles Worth in 2023? Offer ends 3/29/23. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105, Purchase Protection: Which Credit Cards Cover Your Belongings. All Rights Reserved. Amazon marketplace merchant won't accept returns after 30 days. Find out here how we keep you up to date. Finally, be diligent, complete and timely when you file your claims. The Capital One Venture X Rewards Credit Card is an excellent everyday spending card. Official application link: Ink Business Cash Credit Card. The annual maximum is also pretty generous at $50,000 per year for most cards. All financial products, shopping products and services are presented without warranty. Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased throughRead More. Terms apply to the offers listed on this page. In these cases, Amex will refund the entire purchase price up to $300 per item, excluding shipping and handling charges. AmEx Purchase Protection: What You Need to Know - NerdWallet 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. You want a travel credit card that prioritizes whats important to you. Terms apply. From bedroom furniture to clothing and cellular phones to handbags, purchase protection can be a worthwhile benefitparticularly for high-priced items. 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. This compensation comes from two main sources. Related: Why I switched from the Chase Freedom to the Chase Freedom Flex. If an eligible item is lost, accidentally broken, or stolen within 90 days of the purchase date, Amex may reimburse its value. 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. New comments cannot be posted and votes cannot be cast. After working as a tax accountant for a decade, JT turned his analytical skills to points, miles and credit cards. Be ready to provide an itemized online receipt or original store receipt of the item as you will need it to receive claim consideration. Blue Cash Preferred Card from American Express. Does AmEx purchase protection cover lost items? has been collected independently by NerdWallet. About the author: Ben Luthi is a former credit card specialist for NerdWallet. Terms apply. 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. So how do we make money? So, forgetful consumers may want to put their purchases on one of American Express' premium cards that include lost items under the Amex purchase protection benefit. AmEx makes it easy to file a purchase protection claim on its website. Check here before booking an award fare. Earn 3X Membership Rewards points on flights booked directly with airlines or on amextravel.com. You'll notice that nearly all AMEX cards offer this benefit, so chances are you're already covered. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Quote: Originally Posted by JeffD. Official application link: Chase Freedom Flex. Select "purchase protection" on the next page and continue the process. Past performance is not indicative of future results. An itemized receipt from the retailer showing the purchase. update? Underwritten by AMEX Assurance Company. Once youve submitted the necessary supporting documents, American Express will send you an email confirmation stating your documents were received. All American Express cards with extended warranty benefits provide the same amount of coverage. Purchase protection saved us $1,700 a reader success story, These are the cards TPG staff reach for in case of emergency, Delta SkyMiles Reserve American Express Card, Delta SkyMiles Reserve Business American Express Card, Hilton Honors American Express Aspire Card, Marriott Bonvoy Brilliant American Express Card, The 5 Amex cards were keeping in our wallets and why, Do Not Sell or Share My Personal Information, $10,000 per item (or $500 per event for natural disasters). You will be asked certain questions about your claim at that time. Marriott Bonvoy Brilliant American Express Card. The following items are excluded from this policy: See the entire return protection policy for your card here. 2023 American Express. For an explanation of our Advertising Policy, visit. Here is a list of our partners and here's how we make money. Failing that, I also can search my order history at Amazon, eBay and other online retailers I use. Its smart technology that helps us make sure its really you when shopping online. To view rates and fees of the Delta SkyMiles Reserve American Express Card, see this page. Maximum coverage per purchase protection claim: $1,000 per item ($500 per event if related to a natural disaster). Purchase Protection Coverage Period as described below. Fortunately, several American Express credit cards are equipped with the handy purchase protection perk. Plus, your own feed of TPG content. Reply FitYNABer Additional comment actions AMEX Purchase Protection is AWESOME! Credit Score ranges are based on FICO credit scoring. Youre out of luck, right? Do not sell or share my personal information. 0
If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Subject to additional terms, conditions and exclusions. 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. Purchase Protection can cover the cost of lifes uh-oh moments, so you can be more confident when buying with your Eligible Card. Terms apply. Also, note that some losses are excluded such as if you left the item in an unlocked car. Everything you need to know about Amex purchase protection There are credit cards offering purchase protection that aren't included in this list. 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. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Make sure to file a claim within 30 days of the incident - or as soon as reasonably possible. I was not asked to return the items in question in either case. 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. Visit americanexpress.com/benefitsguide for details. The Amex EveryDay Preferred Credit Card from American Express is no longer available through NerdWallet. All financial products, shopping products and services are presented without warranty. I have the Platinum card so would this be covered under lost item protection or would I be SOL? 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. Claim processing and payment is usually complete within 30 days. 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. 3 points per dollar on eligible Delta purchases; 1 point per dollar on other purchases. Business Green Rewards Card from American Express is no longer available through NerdWallet. 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. Be sure to check your cardholder agreement for your specific benefits. Credit Card Purchase Protection | American Express UK 0% intro APR for 15 months from account opening on purchases and balance transfers. Earn 100,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 3 months. Press J to jump to the feed. Negotiable instruments including travelers' checks and gift cards. 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. when you need coverage is essential. Read more. The first claim was for a childs bicycle seat that was supposed to mount on my bikes handlebars. Please view our advertising policy page for more information. This influences which products we write about and where and how the product appears on a page. PSA: Never ever ever put anything in the seat pocket of an airplane. %PDF-1.6
%
Any other documentation needed to substantiate your claim. Whether you want to pay less interest or earn more rewards, the right card's out there. 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. Nonetheless, this useful benefit can save you hundreds (maybe thousands) if you have the misfortune of theft or damage on a covered purchased item within 90 days of purchasing the item. Create an account to follow your favorite communities and start taking part in conversations. For example Mastercard offers Purchase Assurance to many Mastercard holders. Some issuers also refer to this benefit as purchase security. If a loss is due to theft, you may need to provide a copy of the police report. Be the first to know if we spot anything odd or unusual on your account, thanks to our account and fraud alerts. Shop moreconfidently with your Card knowing we have your back. You may also be asked to return the item to Amex, so be sure to hang onto it until your claim is resolved. AmEx purchase protection covers lost, stolen or damaged items within the first 90 days after purchase. Worry less. Each eligible AmEx card is covered for up to $50,000 in claims per year. So, checking. However, this does not influence our evaluations. Hilton Honors American Express Aspire Card. American Express Purchase Protection - FlyerTalk Forums For a complete description of the policies of your American Express card, select your card on this page. Plus, AmEx can change the coverage at any time. Also, if it was gone 30 minutes later, it was stolen. To be eligible, you must pay for the entire cost of the item with your eligible American Express card, and purchases must be made in the U.S. or U.S. territories.^. To start the process, log into your AmEx account and go to the claims center page. American Express Purchase Protection Guide: (Claims, Forms) [2021] Notably, American Express prepaid debit cards do not come with this benefit. Call the number on the back of your card for help if you cant find the guide to benefits. Items damaged by natural disasters are subject to different terms and limits notated in each cards terms and conditions. To view rates and fees of the American Express Gold Card, see this page. 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. This post contains references to products from one or more of our advertisers. Please review. Personal cards with purchase protections from AmEx include: The Platinum Card from American Express. Welcome bonus: Earn $900 cash back after you spend $6,000 on purchases in the first three months of account opening. pAxTu:E4 VB8H_
fUsF4A~ScD_ ^8v8_]gw`\7f(g~5"ip
JI. Shop more. 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. 3% cash back on groceries 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%), plus 1% cash back on other purchases. In this case, you must purchase an item thats eligible for coverage and the loss cant be due to an excluded reason. Note that purchase protection is different from. Buts its still "status open" now and have no update. Many or all of the products featured here are from our partners who compensate us. Visit americanexpress.com/benefitsguide for details. Please visit americanexpress.com/benefitsguide for more details. After logging in, click "File a Claim." Go through the online claim process and provide the required information. Related: Battle of the premium travel rewards cards which is best for you? 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. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Earning rates: 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year (then 1% back); 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year (then 1% back); 1% cash back on all other purchases. You must file a claim within 90 days of your original purchase through this link or by calling 800-228-6855. Items voluntarily or involuntarily discarded. Please read important exclusions and restrictions. This influences which products we write about and where and how the product appears on a page. Claims can be made online or by giving American Express a call at 1-800-322-1277. 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. Maximum coverage per account for purchase protection: $50,000 per card per calendar year. Recently bought a Pacsafe bag that basically fell apart on the first trip out. Check the details of your card's coverage to see if your incident is covered. The claim should be provided within thirty (30) days of the loss or as soon as reasonably possible. And be aware of excluded purchases, too. Everything you need to know about American Express purchase protection 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. Several credit cards offer purchase protection, which acts as insurance against an item being stolen or damaged for a certain period of time after you buy it. The claim was quickly accepted, and I was issued a statement credit for my purchase. There is a maximum coverage amount of $10,000 per item and $50,000 per calendar year.*. NerdWallet strives to keep its information accurate and up to date. As a digital nomad for nearly five years, JT proves through experience that credit card rewards can drastically reduce the cost of travel. Check the. Reddit and its partners use cookies and similar technologies to provide you with a better experience. 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. Information provided on Forbes Advisor is for educational purposes only. Can I file an AmEx purchase protection claim if I redeemed points? To take advantage of this benefit, first review your card's benefit statement to see whether you are eligible for reimbursement if a purchase is damaged, stolen or lost. Note that card coverage is sometimes secondary to any homeowners insurance and auto insurance policies, so you may need to prove that youve already submitted claims with other insurance providers. The card doesnt offer price protection or return protection, though. Return Protection Terms | AMEX US - American Express 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. The following are ineligible for coverage: Also excluded is loss or damage due to any of the following reasons: Additionally, the maximum protection related to a natural disaster is $500. When you purchase an item with a manufacturer's warranty, this benefit can add an extra year to the warranty. AmEx Return Protection: What to Know - NerdWallet Terms apply. All financial products, shopping products and services are presented without warranty. Purchase Protection Question : r/amex - Reddit Shop safe withSafeKey. This post contains references to products from one or more of our advertisers. Thankfully, its really easy to search my email inbox to find receipts for everything Ive bought online. Terms apply. How to File a Return Protection Request The information for the Hilton Aspire Amex card has been collected independently by The Points Guy. Coverage limits apply. Unfortunately, if you're affected by a natural disaster, AmEx purchase protection only covers a maximum of $500 in claims per event. If an item is stolen, file a police report immediately. endstream
endobj
962 0 obj
<>>>/Filter/Standard/Length 128/O(-ZK*Kme P1Fi dX)/P -1340/R 4/StmF/StdCF/StrF/StdCF/U(U-q U )/V 4>>
endobj
963 0 obj
<>/Metadata 89 0 R/OCProperties<>/OCGs[973 0 R]>>/Outlines 294 0 R/PageLayout/OneColumn/Pages 957 0 R/StructTreeRoot 349 0 R/Type/Catalog>>
endobj
964 0 obj
<>/Font<>/ProcSet[/PDF/Text]>>/Rotate 0/StructParents 0/Tabs/S/Type/Page>>
endobj
965 0 obj
<>stream
The warranty wont cover the damage, and you didnt think youd need AppleCare. In addition to stolen and damaged items, AmEx purchase protection also covers items lost within the coverage period. The Ink Cash Card is a great choice if you buy high-value items that are eligible for purchase protection at office supply stores where youll earn 5% cash back until you hit your annual limit. Delta SkyMiles Gold American Express Card. 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. The Points Guy, Forbes Advisor, AwardWallet, LendingTree. The American Express Platinum card purchase protection insures items bought with this card for up to $10,000 per incident and $50,000 per account per year. 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. Cash and cash-like items including gift certificates, stamps and coins. 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. 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. Who should (and shouldnt) get the Capital One Venture X card? Indirect or direct damage to an item or property resulting from a covered event. Delta SkyMiles Platinum American Express Card. Instead, check the benefits guide to see the card's purchase protection coverage. 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.