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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. 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. This benefit covers eligible items purchased with an eligible American Express card against damage or theft. 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. 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. Not a Cardmember yet? Not as useful for those living outside the U.S. Provided you purchased them less than 90 days ago you should be covered. Performance information may have changed since the time of publication. As with any insurance policy, the devil is always in the details. Official application link: Chase Freedom Flex. All Rights Reserved. Cards with this higher level of coverage include: The information for the Centurion, Business Centurion and Hilton Aspire cards has been collected independently by The Points Guy. Terms apply. This information may be different than what you see when you visit a financial institution, service provider or specific products site. 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. Business cards are no exception. Read more. Its easy to write off these policies as being too much of a hassle or, conversely, being too good to be true. Finally, some American Express cards offer purchase protection even when you lose a recently-purchased item. Sometimes called damage protection, purchase protection ensures goods against theft or accidental damage for a limited time. *Benefits may vary by issuer. Purchase Protection often covers loss, damage and theft for a short period of time, usually a few months, after purchase. Coverage on the SPG card remains at $1,250 for carry-on baggage and $500 for checked baggage. 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. Once youve submitted the necessary supporting documents, American Express will send you an email confirmation stating your documents were received. Here are our picks for the best travel credit cards of 2023, including those best for: Flexibility, point transfers and a large bonus: Chase Sapphire Preferred Card, No annual fee: Bank of America Travel Rewards credit card, Flat-rate travel rewards: Capital One Venture Rewards Credit Card, Bonus travel rewards and high-end perks: Chase Sapphire Reserve, Luxury perks: The Platinum Card from American Express, Business travelers: Ink Business Preferred Credit Card, About the author: JT Genter is a freelance points, miles and credit card writer formerly of The Points Guy. 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. I was notified about a week later that my claim had been accepted, and I was issued a statement credit for the purchase price. 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. If an item is broken, take pictures to document the broken item and make sure that you keep the broken item until either it is requested by American Express or your claim is paid and closed. Please review. TPG values this bonus at $1,388. To view rates and fees of The Platinum Card from American Express, see this page. Delta SkyMiles Platinum American Express 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. Depending on the credit card, the coverage amount and the duration of the protection may differ. Be the first to know if we spot anything odd or unusual on your account, thanks to our account and fraud alerts. The Capital One Venture X Rewards Credit Card is an excellent everyday spending card. The card has an annual fee of $0, yet comes with a pumped-up earnings structure that covers a wide swath of expenses including travel, drugstores and dining plus rotating quarterly bonus categories in areas many households are likely to find appealing. Do not sell or share my personal information. Purchase protection is included in many U.S. American Express cards at no additional cost to the cardholder. AmEx purchase protection excludes a long list of types of purchases, including: Antiques, artwork and previously used items. Thankfully, many credit cards offer so-called "purchase protection" that covers theft, damage and loss within a set time after purchase. 3 yr. ago. Select "purchase protection" on the next page and continue the process. 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 anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. 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. The Platinum also offers 90 days of return protection, up to $300 per item. There are credit cards offering purchase protection that aren't included in this list. Terms, Conditions and Limitations Apply. Visit americanexpress.com/benefitsguide for details. Our partners cannot pay us to guarantee favorable reviews of their products or services. 995 0 obj <>stream Terms, conditions and limitations apply. Marriott Bonvoy Business American Express Card. Credit Score ranges are based on FICO credit scoring. Earn 4X Membership Rewards Points at Restaurants, plus takeout and delivery in the U.S. 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. He covers credit cards, loyalty programs and family travel. Blue Cash Preferred Card from American Express. Not lost, you know where you left it, and someone took it knowing it did not belong to them. How do I find and add Amex Offers to my Card? Finally, some American Express cards offer purchase protection even when you lose a recently-purchased item. We believe everyone should be able to make financial decisions with confidence. Coverage applies for 90 days after purchasing the item. Please visit americanexpress.com/benefitsguide for more details. Benefits are providedfor Replacement Cost up to the lesser of the Eligible Payment or the per item and calendar year maximums as described below. 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. Since I was outside of the stores 30-day return policy but still within 90 days of purchase, I filed a return protection claim online with Amex. 971 0 obj <>/Encrypt 962 0 R/Filter/FlateDecode/ID[]/Index[961 35]/Info 960 0 R/Length 65/Prev 833811/Root 963 0 R/Size 996/Type/XRef/W[1 2 1]>>stream These are provided as guidelines only and approval is not guaranteed. All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. After logging in, click "File a Claim." Go through the online claim process and provide the required information. However, not all purchases and losses are covered by AmEx purchase protection. You want a travel credit card that prioritizes whats important to you. 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). We believe everyone should be able to make financial decisions with confidence. Purchase protection will reimburse you for theft, loss or accidental damage to eligible items that occurred within 90 days of purchase. AmEx purchase protection generally covers theft, loss and damage to eligible items within 90 days of purchase. For an explanation of our Advertising Policy, visit. 2023 Forbes Media LLC. Tip: Use WalletFlo for all your credit card needs. An itemized receipt from the retailer showing the purchase. However, this does not influence our evaluations. Balance transfer fee applies, see pricing and terms for more details. Consumable or perishable items like food and batteries. For example Mastercard offers Purchase Assurance to many Mastercard holders. Most Cards allow up to $1,000 per incident, with a limit of $50,000 per year. The claim was quickly accepted, and I was issued a statement credit for my purchase. Related: Best credit cards with purchase protection. Terms apply. When deciding which travel rewards card to use for large purchases, its important to look beyond the points and miles you earn. Compare the cost in points or miles to cash, and see which option is best. The Points Guy, Forbes Advisor, AwardWallet, LendingTree. Information provided on Forbes Advisor is for educational purposes only. 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. Editors note: This is a recurring post, regularly updated with new information. Plus, your own feed of TPG content. Marriott Bonvoy Brilliant American Express Card. Indirect or direct damage to an item or property resulting from a covered event. Permanent household items such as carpet, flooring, air conditioners and refrigerators. 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. 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. In short, covered purchases are covered for up to 90 days from the date of purchase for up to $10,000 per covered purchase and up to $50,000 per eligible card per calendar year. Personal hygiene items or any devices (medical or nonmedical) that have been personally used and could be considered a health risk to others. There are important terms to follow for this benefit, such as the length of time from the purchase date for which coverage is offered, how to submit claims and even the maximum coverage amount provided by your credit card. At the time of writing, The Platinum Card from American Express holders are covered for up to 90 days from the date of a covered purchase of an eligible item. From lamps to loungewear and from headphones to handbags, you can use your Eligible Card with more confidence when youre covered with Purchase Protection. Cash and its equivalent (including, but not limited to, gift cards and gift certificates). Coverage under the Purchase Protection Program, which covers items broken, stolen, or lost (lost coverage on the Platinum and Centurion cards only) within 90 days of purchase, is up to $10,000 per occurrence on the Platinum card vs. $1,000 on the SPG card. 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. Enrollment required. 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. 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. AmEx purchase protection also doesn't cover losses when the item isn't "reasonably safeguarded" such as leaving it in an unlocked car or publicly unattended. Cards that still offer this benefit include: ** The information for these cards has been collected independently by The Points Guy. %%EOF Help protect your eligible Compare the cost in points or miles to cash, and see which option is best. In these cases, Amex will refund the entire purchase price up to $300 per item, excluding shipping and handling charges.