Performance information may have changed since the time of publication. All American Express cards with extended warranty benefits provide the same amount of coverage. Please read important exclusions and restrictions. What You Should Know About Foreign Transaction Fees. 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. You can view the full list of cards here. Shop more. 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. Please try again later. In addition to stolen and damaged items, AmEx purchase protection also covers items lost within the coverage period. Here is a list of our partners. More information can be found here. So how do we make money? Check here before booking an award fare. The extended warranty does not cover the following items: Also, coverage does not apply to damage from natural disasters, alterations or modifications, power surges, war or acts of war or any item under a product recall. 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. 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. Find the right card for you. Terms, conditions and limitations apply. Policies are underwritten by AMEX Assurance Company. The other card networks often offer their own purchase protections as part of their network affiliation. 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. Card Rating is based on the opinion of TPGs editors and is not influenced by the card issuer. Terms, Conditions and Limitations Apply. AmEx makes it easy to file a purchase protection claim on its website. Related: How an often-overlooked credit card benefit put $1,400 back in my wallet. Blue Cash Everyday Card from American Express. Here is a list of our partners. Join Date: Aug 2009. Location: ZOA, SFO, HKG. If you have questions, please consult your own professional legal, tax and financial advisors. **, Morgan Stanley Blue Cash Preferred American Express 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: Amex credit card showdown: Blue Cash Preferred vs. Blue Cash Everyday. Terms apply. 995 0 obj <>stream You must provide an original store receipt (or a printout of an online receipt). As with any insurance policy, the devil is always in the details. 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. Coverage Limits Apply. Disclaimer: NerdWallet strives to keep its information accurate and up to date. You would only be reimbursed up to the amount charged on the card. 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. Information provided on Forbes Advisor is for educational purposes only. Terms apply. This benefit covers eligible items purchased with an eligible American Express card against damage or theft. Reply FitYNABer Additional comment actions AMEX Purchase Protection is AWESOME! If submitting a claim by phone, you will be asked certain questions about your claim. 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. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Purchase protection will reimburse you for theft, loss or accidental damage to eligible items that occurred within 90 days of purchase. The Blue Cash Everyday Card from American Express is good for earning 3% cash back at U.S. supermarkets (up to $6,000 per calendar year, then 1%), but shopping protection benefits arent beneficial on most supermarket purchases. The claim should be provided within thirty (30) days of the loss or as soon as reasonably possible. ^Eligibility and benefit levels vary by card. 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). For Capital One products listed on this page, some of the above benefits are provided by Visa or Mastercard and may vary by product. If the item was stolen, you may need to show us a copy of the police report, or if the item was damaged, you may need to send it in to complete the claim so dont throw it out. You must file a claim within 30 days of loss through this link or by calling 800-228-6855. Purchase protection is included in many U.S. American Express cards at no additional cost to the cardholder. same thing happened to me, left a small bag under front seat. 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. He published over 2,000 articles on The Points Guy before becoming a freelance writer. I confess that I dont save a copy of the register receipt from every purchase I make Im just not that organized. Authorized users are also covered, as long as theyre U.S. residents. Benefits also includes a per occurrence maximum for any one Purchase Protection Covered Event related to a Natural Disaster as describedbelow . You may need to submit a police report for stolen items and a repair estimate or photos for damaged items during the claim process. Blue Cash Preferred Card from American Express. Earn 100,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 3 months. 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. Marriott Bonvoy Brilliant American Express Card. Just make sure to file a notice of claim within 30 days of the loss. $10,000 per claim, $50,000 per year for the American Express Gold Card, The Platinum Card from American Express and Delta SkyMiles Reserve American Express Card cardholders However, this does not influence our evaluations. First, you have to have the right card. hbbd``b`@/P k ";d100O@ T9 3 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 Centurion Card from American Express and The Business Centurion Card from American Express. Our points-obsessed staff uses a plethora of credit cards on a daily basis. Underwritten by AMEX Assurance Company. American Express also has a range of versatile credit cards with competitive interest rates and benefits such as travel insurance, cashback, extended warranty and more! to see if your incident is covered. Help protect your eligible Finally, its not that hard to snap a photo of a receipt and retain it in your smartphones cloud storage archive for many years. For example, the Blue Cash Everyday Card from American Express and Amex EveryDay Credit Card* credit cards carry up to $1,000 coverage per incident, up to $50,000 per card member account per calendar year (Terms apply.). AmEx purchase protection generally covers theft, loss and damage to eligible items within 90 days of purchase. Furthermore, there are only two American Express business cards that include purchase protection benefits* for lost items, which are also the Delta SkyMiles Reserve Business American Express Card and The Business Platinum Card from American Express. 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. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105, The Guide to AmEx Purchase Protection on Travel Cards. Visit americanexpress.com/benefitsguide for details. Earn 3X Membership Rewards points on flights booked directly with airlines or on amextravel.com. Finders keepers is not really a thing. There are credit cards offering purchase protection that aren't included in this list. Ben is a former credit card specialist for NerdWallet who wrote card reviews and comparisons and covered credit-related issues affecting consumers. 10 mile per dollar on hotels and rental cars booked through Capital One Travel; 5 miles per dollar on flights booked through Capital One Travel; 2 miles per dollar on all other purchases. 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. For an explanation of our Advertising Policy, visit. 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. Yes, cardmembers of the American Express Gold Card are covered by AmEx's purchase protection coverage. Delta SkyMiles Platinum Business American Express Card: $15 back per month on U.S . AmEx purchase protection covers lost, stolen or damaged items within the first 90 days after purchase. Once youve submitted the necessary supporting documents, American Express will send you an email confirmation stating your documents were received. However, if your item is just lost or missing, you wont need a police report. For full Terms and Conditions, see www.americanexpress.com/PPterms. Our partners cannot pay us to guarantee favorable reviews of their products or services. Although this guide focuses on purchase protection, you should also consider benefits like return protection, price protection and extended warranty. 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. This post contains references to products from one or more of our advertisers. This post contains references to products from one or more of our advertisers. The following items are excluded from this policy: See the entire return protection policy for your card here. By taking advantage of the valuable shopping protection policies offered by most American Express cards, you can save hundreds (or even thousands) of dollars when a purchase doesnt work out the way you hoped. You need to typically provide documentation (receipts) and sometimes proof such as a police report. Policies are underwritten by AMEX Assurance Company. If your Card is not listed on this page, if you are an Additional Card Member, or to determine whether you have coverage, please call the number on the back of your Card to verify your benefits View Policy View Policy View Policy View Policy If your claim is successful, the credit card company will choose to replace, repair or reimburse you for the lost or damaged item. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. Related: These are the cards TPG staff reach for in case of emergency. So, you can't claim purchase protection if your baseball bat or hockey stick breaks. The purchase must be made in the United States, be in like new condition and the merchant must have previously denied the return. 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. Credit Score ranges are based on FICO credit scoring. However, this card is so packed with benefits that this coverage doesn't make the card's highlights on the AmEx website. And you'll usually be required to file a police report if you are claiming it as stolen. $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. Personal hygiene items or any devices (medical or nonmedical) that have been personally used and could be considered a health risk to others. If you're hitting the skies soon, you'll also earn bonus points on travel. NerdWallet strives to keep its information accurate and up to date. 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. This is important because many cardholders believe American Express has the least painful claim process of any issuer. The material made available for you on this website, Send Money & Split Purchases: Venmo and PayPal, Credit Intel Financial Education Center. Amex EveryDay Credit Card is no longer available through NerdWallet. Welcome bonus: Earn $900 cash back after you spend $6,000 on purchases in the first three months of account opening. Related: Best credit cards for extended warranties. Terms apply. Here, you'll need to provide a copy of the purchase receipt and proof of loss. You will be asked certain questions about your claim at that time. Check the. Hilton Honors American Express Surpass Card. The claim should be provided within thirty (30) days of the loss or as soon as reasonably possible. Purchase Protection can help protect Covered Purchases made with your Eligible Card against accidental damage, theft and sometimes provide lost coverage for certain Eligible Card products for up to 90 days from the Covered Purchase date. Other shopping protections: The extended warranty protection extends eligible manufacturers warranties of three years or less by one additional year. * These cards include: The Platinum Card from American Express. Amex Platinum Lost Item Purchase Protection Question So I recently. Terms apply. In addition to writing for Forbes.com, Aaron is a full-time professional advisor to Fortune 500 companies at a global consulting firm. Not as useful for those living outside the U.S. Objects such as motorized vehicles, artwork, gift cards and perishable items like perfume, food, light bulbs and batteries are all typically ineligible for purchase protection coverage. 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. We lost some recently purchased shoes at an Airbnb and despite the cleaning team looking multiple times it was nowhere to be found. 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. Keep track of all the required documentation, such as the original store receipt or a printout of an online receipt. 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. bought the Airpods Max and ended up loosing them on my flight, I put them in the seat pocket in front of me during the meal and completely forgot that they were in there. Terms, Conditions and Limitations 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 . So the key limitations are that the return attempt must be made within 90 days of purchase and that you can reimbursed up to a maximum of $300. Delta SkyMiles Reserve Business American Express Card. Tip: Use WalletFlo for all your credit card needs. Also, note that some losses are excluded such as if you left the item in an unlocked car. That proof of loss depends on the circumstances. 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. Plus, AmEx can change the coverage at any time. The annual maximum is also pretty generous at $50,000 per year for most cards. Delta SkyMiles Gold Business American Express Card. 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. 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. Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased through. The Platinum Card from American Express American Express Gold Card and Delta SkyMiles Reserve American Express Card are just a few examples. Her focus at TPG is points, miles, loyalty and credit cards. 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. Its a good idea to keep damaged items until the claim is complete. How do I find and add Amex Offers to my Card? Can You Get a Credit Card Without a Social Security Number? One-of-a-kind items, such as antiques and artwork, or limited-edition items. It can help protect Covered Purchases made on your Eligible Card when theyre accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. All information about Business Green Rewards Card from American Express has been collected independently by NerdWallet. Delta SkyMiles Platinum Business American Express Card. The card doesnt offer price protection or return protection, though. If you'd like to. We may receive compensation when you click on links to those products. You must file a claim within 90 days of your original purchase through this link or by calling 800-228-6855. You must file a claim within 30 days of your covered loss and you can do so online or by calling 800-228-6855. Its smart technology that helps us make sure its really you when shopping online. Some issuers also refer to this benefit as purchase security. 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. Eligibility and Benefit level varies by Card. Paired with up to $120 in Uber Cash (for U.S. Uber rides or Uber Eats orders) and up to $120 in annual dining statement credits at eligible partners, there's no reason that the foodie shouldn't add this card to their wallet. You may also be asked to return the item to Amex, so be sure to hang onto it until your claim is resolved. 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.*. When you purchase an item with a manufacturer's warranty, this benefit can add an extra year to the warranty. Coverage applies for 90 days after purchasing the item. $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. Pre-qualified offers are not binding. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. It can help protect Covered Purchases made on your Eligible Card when theyre accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. You can view the full extended warranty policy for each card. 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. 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. 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. 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 is underwritten by AMEX Assurance Company. 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. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. Aaron is an avid global traveler and miles and points enthusiast. A variable APR of 19.49%28.24% applies thereafter. Coverage can vary based on your state of residence, though, and bonus categories sometimes have caps. 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. Posts: 13,805. Our opinions are our own. Our partners compensate us. I want to file a purchase protect claim with Amex, but everything I see says the 90 days runs from the date of purchase, not the date of delivery. Benefits are providedfor Replacement Cost up to the lesser of the Eligible Payment or the per item and calendar year maximums as described below. Amex Purchase Protection Claim takes so long I have never use Amex Claim before and I lost my laptop recently on public transit which cost me about $2K lost. Other categories excluded are animals, living plants, rare stamps, coins, negotiable instruments such as travelers checks, objects rented, leased or borrowed, anything purchased for resale or commercial use, permanent household items such as carpet, flooring, air conditioners and refrigerators, as well as medical or dental equipment or devices. For an explanation of our Advertising Policy, visit. If an eligible item is lost, accidentally broken, or stolen within 90 days of the purchase date, Amex may reimburse its value. Welcome bonus: Earn 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening. %%EOF Purchase Protection Protect your shopping Enjoy stress-free shopping when you use your American Express Card, with 90-day Purchase Protection. Delta SkyMiles Gold American Express Card. However, Ive filed two claims with Amex in the past; in both cases, I was pleasantly surprised at how quick and easy the process was.

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