AmEx makes it easy to file a purchase protection claim on its website. For claims filed internationally, you can dial 1-303-273-6498. AmEx purchase protection covers lost, stolen or damaged items within the first 90 days after purchase. We'd love to hear from you, please enter your comments. The material made available for you on this website, Send Money & Split Purchases: Venmo and PayPal, Credit Intel Financial Education Center. * These cards include: The Platinum Card from American Express. Read more. You must file a claim within 30 days of loss through this link or by calling 800-228-6855. For example, if you have an American Express card, the chances are that card provides AmEx purchase protection. All rights reserved, How American Express Purchase Protection Works, Purchase Protection can cover the cost of lifes uh-oh moments, so you can be more confident when buying with your Eligible Card. The Platinum Card, Covered Eligible Purchases are items bought with your Eligible Card and are covered for the first 90 days after the day of purchase. 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. Forbes Advisor created additional star ratings so that you can see the best card for specific needs. Terms apply. 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. Once youve submitted the necessary supporting documents, American Express will send you an email confirmation stating your documents were received. Related: Best credit cards with purchase protection. Not if you used the right credit card to make the purchase. Disclaimer: NerdWallet strives to keep its information accurate and up to date. Disclaimer: NerdWallet strives to keep its information accurate and up to date. 11. ghedoicy. Authorized users are also covered, as long as theyre U.S. residents. , 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. If submitting a claim by phone, you will be asked certain questions about your claim. To file a claim with Amex purchase protection, you can do so online or by calling 800-228-6855. Here are some tips to help you navigate this growing trend. You will be asked certain questions about your claim at that time. You will need to provide American Express with the original store receipt or a printout of an online receipt. 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). Related: Best credit cards for extended warranties. You should also know that purchase protection does not cover damage to items when shipped by a third party and under their temporary care, including a common carrier. 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*). 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. 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). Related: Battle of the premium travel rewards cards which is best for you? Delta SkyMiles Platinum Business American Express Card: $15 back per month on U.S . We lost some recently purchased shoes at an Airbnb and despite the cleaning team looking multiple times it was nowhere to be found. We'll run a soft credit check to find special offers, but it wont affect your credit score. Cash and its equivalent (including, but not limited to, gift cards and gift certificates). Amex will reimburse you up to a maximum of $1,000 per card member account per calendar year based on the date of purchase. Join Date: Aug 2009. 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. To view rates and fees of the American Express Gold Card, see this page. The material made available for you on this website, Credit Intel, is for informational purposes only and is not intended to provide legal, tax or financial advice. The claim should be provided within thirty (30) days of the loss or as soon as reasonably possible. Posts: 13,805. We'll run a soft credit check to find special offers, but it wont affect your credit score. *Benefits may vary by issuer. JT Genter is a freelance points, miles and credit card writer formerly of The Points Guy. Delta SkyMiles Reserve American Express Card. Purchase protection will reimburse you for theft, loss or accidental damage to eligible items that occurred within 90 days of purchase. All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. How do I find and add Amex Offers to my Card? In this case, you must purchase an item thats eligible for coverage and the loss cant be due to an excluded reason. and U.S. supermarkets. Purchase Protection Protect your shopping Enjoy stress-free shopping when you use your American Express Card, with 90-day Purchase Protection. Coverage applies for 90 days after purchasing the item. You must file a claim within 30 days of your covered loss and you can do so online or by calling 800-228-6855. 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. 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. The best credit cards for travel insurance benefits. Related: Everything you need to know about Amex purchase protection. 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. to see if your incident is covered. He published over 2,000 articles on The Points Guy before becoming a freelance writer. Earn 100,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 3 months. Unfortunately, if you're affected by a natural disaster, AmEx purchase protection only covers a maximum of $500 in claims per event. ^ Eligibility and benefit levels vary by card. However, only some credit cards offer purchase protection, and the benefits tend to vary across cards. Get more smart money moves straight to your inbox. The American Express Platinum cards are eligible for American Express Purchase Protection. The Platinum Card, Gold Card, Delta SkyMiles Reserve Card, Hilton Aspire Card, and Marriott Bonvoy Brilliant Card are just a few examples. Purchase protection doesnt require any registration in advance. However, this card is so packed with benefits that this coverage doesn't make the card's highlights on the AmEx website. This influences which products we write about and where and how the product appears on a page. As with any insurance or coverage product, AmEx purchase protection comes with limitations and exclusions. TPG values this bonus at $1,200. Pre-qualified offers are not binding. You must file a claim within 90 days of your original purchase through this link or by calling 800-228-6855. Many Amex cards offer purchase protection but coverage limits vary. Negotiable instruments, such as stamps and travelers' checks. All financial products, shopping products and services are presented without warranty. Also, if it was gone 30 minutes later, it was stolen. You may also be asked to return the item to Amex, so be sure to hang onto it until your claim is resolved. And be aware of excluded purchases, too. Offer ends 3/29/23. 2 points per dollar on flights booked directly with United, dining and hotel stays when booked directly with the hotel; 1 point per dollar on other purchases. Instead, check the benefits guide to see the card's purchase protection coverage. This site does not include all credit card companies or all available credit card offers. Cards that still offer this benefit include: ** The information for these cards has been collected independently by The Points Guy. Maximum coverage per purchase protection claim: $10,000 per item ($500 per event related to a natural disaster). 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. Underwritten by AMEX Assurance Company.. 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. has been collected independently by NerdWallet. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. Thankfully, its really easy to search my email inbox to find receipts for everything Ive bought online. All information about The Amex EveryDay Preferred Credit Card from American Express has been collected independently by NerdWallet. The Points Guy, Forbes Advisor, AwardWallet, LendingTree. FlyerTalk Evangelist. It seemed like a good idea at the time, but once I received it and had a chance to install it, I realized that it scared my daughter and seemed too dangerous to me as well. Create an account to follow your favorite communities and start taking part in conversations. I confess that I dont save a copy of the register receipt from every purchase I make Im just not that organized. Hilton Honors American Express Surpass Card. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. 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. Purchase Protection Coverage Period as described below. All financial products, shopping products and services are presented without warranty. Check here before booking an award fare. 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. Commissions do not affect our editors' opinions or evaluations. Here's a look at how purchase protection programs work. 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. Official application link: Chase Freedom Flex. Shop safe withSafeKey. Additional reporting by Stella Shon, Carissa Rawson, Christina Ly and Ryan Smith. pAxTu:E4 VB8H_ fUsF4A~ScD_ ^8v8_]gw`\7f(g~5"ip JI. 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.*. There are limitations to this policy, so be sure to read your card's benefits guide for a full explanation of what's excluded under purchase security. 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). This influences which products we write about and where and how the product appears on a page. You will be asked for a copy of the receipt, your Amex purchase record and the original warranty. Pre-qualified offers are not binding. In this post, Ill look at the three different shopping protection policies offered by many American Express cards and explain how you can leverage these benefits to save money. Notably, American Express prepaid debit cards do not come with this benefit. This coverage is complimentary on most AmEx cards including some debit, prepaid and reloadable AmEx cards. Learn more: The best travel credit cards right now. You can convert your Chase Freedom Flex earnings to Chase Ultimate Rewards points if you have an eligible card that earns Chase Ultimate Rewards points, such as the Chase Sapphire Reserve or Chase Sapphire Preferred Card. Many Amex cards offer purchase protection but coverage limits vary. 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. It's been a fan favorite during the pandemic because of its fantastic rewards rate on restaurants (that includes takeout and delivery in the U.S.!) Big spenders should note that the purchase protection on. If you have questions, please consult your own professional legal, tax and financial advisors. We may receive compensation when you click on links to those products. Policies are underwritten by AMEX Assurance Company. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Permanent household items such as carpet, flooring, air conditioners and refrigerators. Youre out of luck, right? Check your benefits guide for complete details. , AmEx purchase protection only covers a maximum of $500 in claims per event. Our partners cannot pay us to guarantee favorable reviews of their products or services. More information can be found, American Express makes it easy you can file your claim. The Platinum also offers 90 days of return protection, up to $300 per item. However, this does not influence our evaluations. Delta SkyMiles Gold Business American Express Card. TPG values this bonus at $1,388. The rotating bonus categories offered by the Chase Freedom Flex make it an excellent choice for purchases that fit into bonus categories. We believe everyone should be able to make financial decisions with confidence. The Amex EveryDay Preferred Credit Card from American Express is no longer available through NerdWallet. Welcome bonus: Earn 60,000 Membership Rewards points after spending $4,000 on purchases on your new card in your first six months of card membership. Any purchase that is not in an excluded category and is made with a qualifying American Express card will receive purchase protection. The card details on this page have not been reviewed or provided by the card issuer. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Pre-qualified offers are not binding. Return Protection1 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. 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. How do I find and add Amex Offers to my Card? Welcome bonus: Earn 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening. Maximum coverage per account for purchase protection: $50,000 per card per calendar year. Coverage can vary based on your state of residence, though, and bonus categories sometimes have caps. 3 yr. ago. 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. Maximum coverage per purchase protection claim: $500. The extended warranty period is an additional year and is limited to covering the actual purchase amount paid for with your card. 0% intro APR for 15 months from account opening on purchases and balance transfers. This benefit offers cardholders compensation when a store will not accept an eligible item for return within 90 days of purchase. 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. %PDF-1.6 % Earning rates: 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and on travel booked through the Ultimate Rewards portal; 3% cash back on dining and drugstores; 1% cash back on all other purchases. However, this card is so packed with benefits that this coverage doesn't make the card's highlights on the AmEx website. Delta SkyMiles Reserve Business American Express Card. 2023 American Express. Flexibility, point transfers and a large bonus: Bank of America Travel Rewards credit card. 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. 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. When evaluating offers, please review the financial institutions Terms and Conditions. For example Mastercard offers Purchase Assurance to many Mastercard holders. All information about Hilton Honors American Express Aspire Card has been collected independently by NerdWallet. If you'd like to. 4. Does AmEx purchase protection cover lost items? Purchases must be made in the U.S. or its territories, Send Money & Split Purchases: Venmo and PayPal, Credit Intel Financial Education Center. One-of-a-kind items, such as rare stamps and coins. diamondsaremadeunder 3 yr. ago. All financial products, shopping products and services are presented without warranty. That proof of loss depends on the circumstances. Can You Buy Gift Cards with a Credit Card? Check the. Products covered by an unconditional satisfaction guarantee. Have you considered how much it will cost to use credit card while traveling abroad? All information about Amex EveryDay Credit Card has been collected independently by NerdWallet . Check here before booking an award fare. The Forbes Advisor editorial team is independent and objective. A copy of the claim settlement from your primary insurance company, if applicable. Coverage is limited to the amount charged to your card, up to $10,000 per item and $50,000 per card each calendar year.^. The information for the Amex Green Card has been collected independently by The Points Guy. Finally, some American Express cards offer purchase protection even when you lose a recently-purchased item. 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. The Amex EveryDay Preferred Credit Card from American Express. And Visa offers Purchase Security to Visa Infinite cardmembers. All policies have a maximum limit of $50,000 in claims per calendar year. Please read important exclusions and restrictions. How Much Are Travel Points and Miles Worth in 2023? Other shopping protections: Extended warranty protection offers one additional year of coverage for items with an original manufacturers warranty of five years or less. Policies are underwritten by AMEX Assurance Company. 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. Not as useful for those living outside the U.S. PSA: Never ever ever put anything in the seat pocket of an airplane. You can do so online or by calling Amex at 1-800-322-1277. Related: Your complete guide to shopping protections on American Express cards. Please view our advertising policy page for more information. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Purchase Protection is normally not the first benefit that comes to mind when you think of your American Express card perks. Earn 4X Membership Rewards Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Our partners compensate us. Information provided on Forbes Advisor is for educational purposes only. Welcome bonus: Earn $200 cash back after spending $500 on purchases in your first three months of account opening. The Capital One Venture X Rewards Credit Card is an excellent everyday spending card. Negotiable instruments including travelers' checks and gift 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. This compensation comes from two main sources. If a loss is due to theft, you may need to provide a copy of the police report. In the case of a damage claim, you may need to send in the broken item. You can also mail them at: Purchase Protection Claims Unit, PO Box 981553 El Paso TX 79998- 9920. You will likely need to produce a police report for purchase protection claims against item theft, so having this on hand can speed up the time it takes to submit and process your claim. The claim was quickly accepted, and I was issued a statement credit for my purchase. While extended warranty coverage offers more comprehensive damage protection, purchase protection gives you more protection in case of theft. After working as a tax accountant for a decade, JT turned his analytical skills to points, miles and credit cards. What You Should Know About Foreign Transaction Fees. 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. Press J to jump to the feed. As with any insurance policy, the devil is always in the details. Improve earnings, maximize rewards and track progress toward dream trips. This site does not include all credit card companies or all available credit card offers. 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. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Please visit americanexpress.com/benefitsguide for more details. 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 credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. $10,000 per claim, $50,000 per year for the, Delta SkyMiles Reserve American Express Card. 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. Quote: Originally Posted by JeffD. How to file a purchase protection claim with Amex. Claims usually require original receipts and the credit card statement related to the purchase. Keep track of all the required documentation, such as the original store receipt or a printout of an online receipt. 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. Amex members get a variety of benefits including exclusive rewards and discounts, 24/7 customer service, travel benefits such as trip protection and car rental savings, and access to extraordinary events. In these cases, Amex will refund the entire purchase price up to $300 per item, excluding shipping and handling charges. Shop more. When evaluating offers, please review the financial institutions Terms and Conditions. Keep in mind that not all purchases or items are covered . However, there are varying levels of protection. Terms apply. For example, The Platinum Card from American Express and other cards offer purchase protection, which can reimburse you if a covered item is stolen or damaged within a specified window of time . War, acts of war or service in the military. Your next step should be to check the cards benefits guide to determine if your item and its form of damage or loss are eligible. Once American Express has all the information needed to process your claim, theyll notify you via email once a decision has been made. Press question mark to learn the rest of the keyboard shortcuts. You can view the full list of cards here. *Eligibility and Benefit level varies by Card. Purchase protection offers short-term insurance for your everyday purchases, in case the items are stolen or damaged. Like insurance, purchase protection is one of those things that you hope you never have to use. Just answer a few questions and we'll narrow the search for you. 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. Yes, cardmembers of the American Express Gold Card are covered by AmEx's purchase protection coverage. Gold or Rose Gold. %%EOF Her focus at TPG is points, miles, loyalty and credit cards. Your financial situation is unique and the products and services we review may not be right for your circumstances. After logging in, click "File a Claim." Go through the online claim process and provide the required information. Purchase Protection can cover the cost of lifes uh-oh moments, so you can be more confident when buying with your Eligible Card. Shop moreconfidently with your Card knowing we have your back. So, checking the terms for your AmEx card when you need coverage is essential. Enrollment required. He covers credit cards, loyalty programs and family travel. this adds to already-existing purchase protection and extended warranty . You can view the full extended warranty policy for each card. Terms apply. 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. Each eligible AmEx card is covered for up to $50,000 in claims per year. Finally, its not that hard to snap a photo of a receipt and retain it in your smartphones cloud storage archive for many years. So, you can't claim purchase protection if your baseball bat or hockey stick breaks. 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% on travel purchased through Chase Ultimate Rewards, 3% on dining and drugstores and 1% on all other purchases. In addition to stolen and damaged items, AmEx purchase protection also covers items lost within the coverage period. Dozens of cards offer this benefit. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Terms apply. As always, check your credit cards guide to benefits to see which benefits apply to you. The card details on this page have not been reviewed or provided by the card issuer. 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. Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. 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.
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