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. 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. Keep track of all the required documentation, such as the original store receipt or a printout of an online receipt. How American Express Purchase Protection Works 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. Terms, conditions and limitations apply. AmEx makes it easy to file a purchase protection claim on its website. Terms apply. 995 0 obj <>stream Our partners cannot pay us to guarantee favorable reviews of their products or services. If submitting a claim by phone, you will be asked certain questions about your claim. 961 0 obj <> endobj 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. Depending on the credit card, the coverage amount and the duration of the protection may differ. Fortunately, several American Express credit cards are equipped with the handy purchase protection perk. Coverage limits apply. Are you sure you want to rest your choices? Business Green Rewards Card from American Express. Official application link: Chase Freedom Flex. The card details on this page have not been reviewed or provided by the card issuer. And be aware of excluded purchases, too. Unfortunately, if you're affected by a natural disaster, AmEx purchase protection only covers a maximum of $500 in claims per event. Terms apply. Earn a $200 bonus after spending $500 on purchases in your first 3 months from account opening. Amex Extended Warranty | The Ascent - The Motley Fool A variable APR of 19.49%28.24% applies thereafter. Maximum coverage per account for purchase protection: $50,000 per card per calendar year. The information for the Hilton Aspire Amex card has been collected independently by The Points Guy. Purchase Protection is underwritten by AMEX Assurance Company. Related: Why I switched from the Chase Freedom to the Chase Freedom Flex. Official application link: American Express Gold Card. Business Green Rewards Card from American Express is no longer available through NerdWallet. However, you may want to use a card with price protection or a card that extends warranties by two years instead of just one year for some purchases. PDF Return Protection - American Express ^ Eligibility and benefit levels vary by card. Plus, your own feed of TPG content. An itemized receipt from the retailer showing the purchase. How do I find and add Amex Offers to my Card? , other credit card benefits you might be eligible for. Return protection differs from AmEx's purchase protection, which covers you if a purchase is lost or stolen within 90 days. $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 Shopping online for a car is an accelerating trend changing the purchase process from start to finish. 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. When you purchase an item with a manufacturer's warranty, this benefit can add an extra year to the warranty. Benefits also includes a per occurrence maximum for any one Purchase Protection Covered Event related to a Natural Disaster as describedbelow . *Eligibility and benefit levels vary by card. American Express Purchase Protection Guide: (Claims, Forms) [2021] Terms, conditions and limitations apply. We'll run a soft credit check to find special offers, but it wont affect your credit score. Call the number on the back of your card for help if you cant find the guide to benefits. When considering which card to use for your next big purchase, dont forget about the purchase protection coverage perk on your American Express cards. Juan's passion is helping readers navigate through the complex world of frequent flier miles, credit card rewards points and award travel. Maximum coverage per purchase protection claim: $500. You must file a claim within 30 days of loss through this link or by calling 800-228-6855. If an eligible item is lost, accidentally broken, or stolen within 90 days of the purchase date, Amex may reimburse its value. Consumable or perishable items such as perfume, light bulbs and batteries. 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. All information about The Amex EveryDay Preferred Credit Card from American Express has been collected independently by NerdWallet. 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. Cash and its equivalent (including, but not limited to, gift cards and gift certificates). Anything purchased for resale or commercial use. And extended warranty protection offers one full year of coverage at $10,000 per item and up to $ . Compare the cost in points or miles to cash, and see which option is best. 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. The Forbes Advisor editorial team is independent and objective. 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. $10,000 per claim, $50,000 per year for the, Delta SkyMiles Reserve American Express Card. 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. 3 yr. ago. Here is a list of our partners. So I recently. American Express processes claims more quickly than some other issuers. Benefits are providedfor Replacement Cost up to the lesser of the Eligible Payment or the per item and calendar year maximums as described below. 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. In this case, you must purchase an item thats eligible for coverage and the loss cant be due to an excluded reason. Terms apply. 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. 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. You must file a claim within 30 days of your covered loss and you can do so online or by calling 800-228-6855. Purchase protection benefits offered by credit cards often differ in three main aspects: Related: Purchase protection saved us $1,700 a reader success story. Go to the Amex extended warranty claims webpage to file online. Cash and cash-like items including gift certificates, stamps and coins. Sign up and well send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money. Amazon marketplace merchant won't accept returns after 30 days. 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. American Express consumer cards all offer purchase protections for eligible purchases for 90 days from the date of purchase to file a claim. Business fixtures including air conditioners, refrigerators and heaters. Be ready to provide an itemized online receipt or original store receipt of the item as you will need it to receive claim consideration. 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. How do I Redeem Membership Rewards Points. Additional reporting by Stella Shon, Carissa Rawson, Christina Ly and Ryan Smith. Be sure to check each cards individual purchase protection policy before making an expensive purchase on an Amex card. Once American Express has all the information needed to process your claim, theyll notify you via email once a decision has been made. Terms and conditions will apply. Each category has certain conditions attached to it. JavaScript must be enabled to experience the American Express website and to log in to your account. In the event of theft, you must also include a copy of a police report. Maximum coverage per purchase protection claim: $1,000 per item ($500 per event if related to a natural disaster). 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.). With purchase protection, you can file a claim to be reimbursed for any eligible item you bought with The Platinum Card from American Express if . Maximum coverage per account for purchase protection: $50,000. Delta SkyMiles Blue American Express Card. Provided you purchased them less than 90 days ago you should be covered. 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. Many Amex cards offer purchase protection but coverage limits vary. To be eligible, you must pay for the entire cost of the item with your eligible American Express card, and purchases must be made in the U.S. or U.S. territories.^. Amex adds new cell phone protection benefit - The Points Guy Find out here how we keep you up to date. Everything you need to know about Amex purchase protection You may need to submit a police report for stolen items and a repair estimate or photos for damaged items during the claim process. 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. hbbd``b`@/P k ";d100O@ T9 3 Terms apply. Our opinions are our own. NerdWallet strives to keep its information accurate and up to date. Most Cards allow up to $1,000 per incident, with a limit of $50,000 per year. Terms apply. Credit cards vary in the amount and duration of coverage provided, so make sure to read the terms and conditions. American Express Platinum Lost Card - WalletHub Terms, Conditions and Limitations Apply. The Capital One Venture X Rewards Credit Card is an excellent everyday spending card. One-of-a-kind items, such as antiques and artwork, or limited-edition items. Earn 4X Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Subject to additional terms, conditions and exclusions. I have the Platinum card so would this be covered under lost item protection or would I be SOL? Hilton Honors American Express Surpass Card. While extended warranty coverage offers more comprehensive damage protection, purchase protection gives you more protection in case of theft. Eligibility and Benefit level varies by Card. Delta SkyMiles Reserve American Express Card. Best Balance Transfer & 0% APR Credit Cards, NerdWallets Best Credit Card Tips for March 2023, Get more smart money moves straight to your inbox. $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.