While extended warranty coverage offers more comprehensive damage protection, purchase protection gives you more protection in case of theft. %PDF-1.6 % Policies are underwritten by AMEX Assurance Company. Purchase protection doesnt require any registration in advance. Items not being safeguarded or left at an unlocked location. Maximum coverage per purchase protection claim: $10,000 per item ($500 per event related to a natural disaster). This influences which products we write about and where and how the product appears on a page. 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. When you purchase an item with a manufacturer's warranty, this benefit can add an extra year to the warranty. First, you have to have the right card. 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). Whether you want to pay less interest or earn more rewards, the right card's out there. For an explanation of our Advertising Policy, visit. Delta SkyMiles Reserve Business American Express Card. 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 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. Shop moreconfidently with your Card knowing we have your back. Editorial Note: We earn a commission from partner links on Forbes Advisor. Terms, Conditions and Limitations Apply. Visit americanexpress.com/benefitsguide for details. Services and additional costs, such as installation charges, warranties, shipping, handling and memberships. 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. Please review. Amex purchase protection has been absolutely fantastic for the occasional janky Amazon purchase, particularly marketplace items. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. and U.S. supermarkets. For Capital One products listed on this page, some of the above benefits are provided by Visa or Mastercard and may vary by product. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105, The Guide to AmEx Purchase Protection on Travel Cards. We lost some recently purchased shoes at an Airbnb and despite the cleaning team looking multiple times it was nowhere to be found. The Hilton Honors American Express Business Card. 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. Purchase protection benefits offered by credit cards often differ in three main aspects: Related: Purchase protection saved us $1,700 a reader success story. Terms apply. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. Visit americanexpress.com/benefitsguide for details. All information about Business Green Rewards Card from American Express has been collected independently by NerdWallet. So you finally splurged for an Apple Watch and broke it a week later. The claim was quickly accepted, and I was issued a statement credit for my purchase. Depending on the credit card, the coverage amount and the duration of the protection may differ. Delta SkyMiles Blue American Express Card. American Express Purchase Protection Guide: (Claims, Forms) [2021] You would only be reimbursed up to the amount charged on the card. 4. After working as a tax accountant for a decade, JT turned his analytical skills to points, miles and credit cards. How To Find The Cheapest Travel Insurance. 14 points per dollar at eligible Hilton properties; 7 points per dollar on flights booked directly with airlines or through Amex Travel; 7 points per dollar on car rentals booked directly from select car rental companies and at U.S. restaurants; 3 points per dollar on other purchases. Youll be asked for a copy of the receipt and your Amex purchase record. Programs: UA 1K 0.9MM, Marriott Gold, HHonors Gold, Hertz PC, SBux Gold, TSA Pre . The card details on this page have not been reviewed or provided by the card issuer. 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 card doesnt offer price protection or return protection, though. Press question mark to learn the rest of the keyboard shortcuts. Terms apply. 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. All information about Amex EveryDay Credit Card has been collected independently by NerdWallet . Improve earnings, maximize rewards and track progress toward dream trips. Maximum coverage per account for purchase protection: $50,000 per card per calendar year. The Centurion Card from American Express and The Business Centurion Card from American Express. Credit Card Purchase Protection Explained - ValuePenguin JT Genter is a freelance points, miles and credit card writer formerly of The Points Guy. 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). Related: Your guide to the Chase Ink Business credit cards. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. 5% cash back at office supply stores and internet, cable and phone services (on up to $25,000 of purchases per year, then 1%); 2% back at gas stations and restaurants (on up to $25,000 per year in purchases, then 1%); 1% back on all other purchases. 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. Benefits also includes a per occurrence maximum for any one Purchase Protection Covered Event related to a Natural Disaster as describedbelow . Shopping Protection | Purchase Protection Plan | Amex CA $1,000 per item (or $500 per event for natural disasters).*. , other credit card benefits you might be eligible for. You may even be asked to send in a damaged item or a picture for proof of loss, so be sure to keep all of these until the claim is resolved. 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. If you claim an item was stolen you will need a police report. You can see the benefits for all American Express cards on Amexs website and can consult our guide to shopping protections on American Express cards, but you may need to call or log into your account to see the guide to benefits for cards issued by other banks. 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. American Express Platinum Lost Card - WalletHub PDF Purchase Protection Plan Documents - American Express Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. *Benefits may vary by issuer. Many or all of the products featured here are from our partners who compensate us. It appears that JavaScript is either disabled or not supported by your web browser. Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased throughRead More. Find the right card for you. Help protect your eligible Choose the color that suits your style. Can You Get a Credit Card Without a Social Security Number? 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. Good news: AMEX includes Purchase Protection as a benefit on all of its cards shown here. This information may be different than what you see when you visit a financial institution, service provider or specific products site. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Compare the cost in points or miles to cash, and see which option is best. Make sure to file a claim within 30 days of the incident - or as soon as reasonably possible. Eligibility and Benefit level varies by Card. To view rates and fees of The Platinum Card from American Express, see this page. The warranty wont cover the damage, and you didnt think youd need AppleCare. And Visa offers Purchase Security to Visa Infinite cardmembers. When evaluating offers, please review the financial institutions Terms and Conditions. Delta SkyMiles Platinum Business American Express Card: $15 back per month on U.S . You will be asked certain questions about your claim at that time. 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. All consumer American Express cards offer purchase protection for eligible purchases. Cash and its equivalent (including, but not limited to, gift cards and gift certificates). Guide To American Express Purchase Protection | Bankrate Once youve submitted the necessary supporting documents, American Express will send you an email confirmation stating your documents were received. 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. Delta SkyMiles Reserve American Express Card. The claim should be provided within thirty (30) days of the loss or as soon as reasonably possible. Terms apply. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. 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. 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. 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. Eligibility and Benefit level varies by Card. 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. Benefits are providedfor Replacement Cost up to the lesser of the Eligible Payment or the per item and calendar year maximums as described below.