Hilton Honors American Express Surpass Card. Reply FitYNABer Additional comment actions AMEX Purchase Protection is AWESOME! This benefit is limited to $1,000 annually. Call the number on the back of your card for help if you cant find the guide to benefits. From lamps to loungewear and from headphones to handbags, you can use your Eligible Card with more confidence when youre covered with Purchase Protection. However, this card is so packed with benefits that this coverage doesn't make the card's highlights on the AmEx website. You will be asked for a copy of the receipt, your Amex purchase record and the original warranty. One-of-a-kind items, such as rare stamps and coins. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. $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. You must file a claim within 30 days of your covered loss and you can do so online or by calling 800-228-6855. 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. Please view our advertising policy page for more information. Ben Luthi is a former credit card specialist for NerdWallet. Amex purchase protection has been absolutely fantastic for the occasional janky Amazon purchase, particularly marketplace items. 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. 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. Other American Express business cards offer the standard $1,000. Once American Express has all the information needed to process your claim, theyll notify you via email once a decision has been made. Cash and cash-like items including gift certificates, stamps and coins. Amex Platinum Lost Item Purchase Protection Question So I recently. Negotiable instruments, such as stamps and travelers' checks. Related: Everything you need to know about Amex purchase protection. If an item is stolen, file a police report immediately. Like insurance, purchase protection is one of those things that you hope you never have to use. Please read important exclusions and restrictions. How do I Earn Membership Rewards Points? 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. Here is a list of our partners and here's how we make money. Terms apply. $10,000 per claim, $50,000 per year for the American Express Gold Card, The Platinum Card from American Express and Delta SkyMiles Reserve . 0 Check your eligibility here. Often, you will get a response to your initial claim inquiry within 48 hours. 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. Sometimes called damage protection, purchase protection ensures goods against theft or accidental damage for a limited time. Related: Why I switched from the Chase Freedom to the Chase Freedom Flex. Coverage can vary based on your state of residence, though, and bonus categories sometimes have caps. Do balance transfers affect your credit score? this adds to already-existing purchase protection and extended warranty . 2023 American Express. 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. Reddit and its partners use cookies and similar technologies to provide you with a better experience. Can You Get a Credit Card Without a Social Security Number? 5% cash back on up to $1,500 in combined purchases in rotating bonus categories each quarter (requires activation) and on travel booked through the. Read more. 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. 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. Her focus at TPG is points, miles, loyalty and credit cards. Please view our advertising policy page for more information. Purchase Protection If your eligible item* is either stolen or accidentally damaged up to 90 days after you've bought it, we'll reimburse you up to 2,500. When evaluating offers, please review the financial institutions Terms and Conditions. Related: Your guide to the Chase Ink Business credit cards. 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. Make sure to file a claim within 30 days of the incident - or as soon as reasonably possible. are covered by AmEx's purchase protection coverage. Chase, for example, offers purchase protection for up to 120 days on the Chase Freedom Unlimited, Chase Freedom Flex* and Chase Sapphire Preferred Card and Chase Sapphire Reserve. 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. Good news: AMEX includes Purchase Protection as a benefit on all of its cards shown here. All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. However, this card doesnt offer extended warranty or return protection. Improve earnings, maximize rewards and track progress toward dream trips. For most claims, you'll typically need to submit: A copy of your credit card statement with the purchase. Instead, check the benefits guide to see the card's purchase protection coverage. 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. AmEx purchase protection covers lost, stolen or damaged items within the first 90 days after purchase. How an often-overlooked credit card benefit put $1,400 back in my wallet, Blue Cash Everyday Card from American Express, monthly spending credits with restaurants, Everything you need to know about Amex purchase protection, Blue Cash Everyday Card from American Express, Amex credit card showdown: Blue Cash Preferred vs. Blue Cash Everyday, an eligible card that earns Chase Ultimate Rewards points, Why I switched from the Chase Freedom to the Chase Freedom Flex. This coverage is complimentary on most AmEx cards including some debit, prepaid and reloadable AmEx cards. Terms apply. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. How to File a Return Protection Request The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Return protection differs from AmEx's purchase protection, which covers you if a purchase is lost or stolen within 90 days. 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. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. AmEx makes it easy to file a purchase protection claim on its website. For example, if you have an American Express card, the chances are that card provides AmEx purchase protection. Visit americanexpress.com/benefitsguide for details. Plus, AmEx can change the coverage at any time. Purchase protection doesnt require any registration in advance. Each eligible AmEx card is covered for up to $50,000 in claims per year. Many other issuers offer some form of damage against loss or theft for eligible items purchased with the card. 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. 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. Please review. $10,000 per claim, $50,000 per year for the, Delta SkyMiles Reserve American Express Card. Call the number on the back of your card if you have any questions regarding eligibility, the documentation needed or the process required to file a claim. Purchase Protection often covers loss, damage and theft for a short period of time, usually a few months, after purchase. You will be asked certain questions about your claim at that time. 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. While extended warranty coverage offers more comprehensive damage protection, purchase protection gives you more protection in case of theft. Products covered by an unconditional satisfaction guarantee. These online records helped me file my Amex claims quickly, rather than digging through a shoebox full of paper receipts. The claim should be provided within thirty (30) days of the loss or as soon as reasonably possible. Almost every American Express credit and charge card offers purchase protection of some degree. Select "purchase protection" on the next page and continue the process. Our partners cannot pay us to guarantee favorable reviews of their products or services. Information provided on Forbes Advisor is for educational purposes only. 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.
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