We may receive compensation when you click on links to those products. So how do we make money? How can I check the status of a claim? Everything you need to know about Amex purchase protection 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. Frequently Asked Questions. American Express purchase protection works by covering the damage or theft of eligible purchases for up to 90 days after the purchase date. Purchases must be made in the U.S. or its territories, Send Money & Split Purchases: Venmo and PayPal, Interested in Amex? You can view the full extended warranty policy for each card. A premium card with a higher annual fee may offer up to $10,000. For return protection, you have to file a claim within 90 days of your original purchase. This is one of those credit card benefits that can easily make up for an annual fee, even if you only use it once or twice a year. endobj stream If you need to make a claim, you will receive a reimbursement either for the item or the cost to replace the item, up to the coverage limits on your American Express card. American Express purchase protection is short-term insurance for products you buy. Improve earnings, maximize rewards and track progress toward dream trips. 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. Hilton Honors American Express Aspire Card is no longer available through NerdWallet. Dozens of cards offer this benefit. Credit Card Extended Warranty and Terms | American Express Extended Warranty Learn more about the benefits Card Membership can provide. OP}[}Ko? Does the Gold card have purchase protection? endobj Purchase Protection Protect your shopping Enjoy stress-free shopping when you use your American Express Card, with 90-day Purchase Protection. And Visa offers Purchase Security to Visa Infinite cardmembers. For example, accidental damage would require different proof of loss than theft. To start the process, log into your AmEx account and go to the claims center page. Delta SkyMiles Platinum American Express Card. As always, check your credit cards guide to benefits to see which benefits apply to you. I messed up with mine. How to file a purchase protection claim with Amex. This is just one scoring method and a credit card issuer may use another method when considering your application. File an American Express purchase protection claim online by logging in to your account and going to the claims center. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. Delta SkyMiles Reserve Business American Express Card. The information for the Amex Green Card has been collected independently by The Points Guy. It appears that JavaScript is either disabled or not supported by your web browser. Access your favorite topics in a personalized feed while you're on the go. Other American Express business cards offer the standard $1,000. Amex cards that offer purchase protection. How do I find and add Amex Offers to my Card? Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards, our premier rewards program thatlets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). has been collected independently by NerdWallet . 2023 Forbes Media LLC. American Express Purchase Protection: Everything You Need To Know - Forbes 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. American Express consumer cards all offer purchase protections for eligible purchases for 90 days from the date of purchase to file a claim. After working as a tax accountant for a decade, JT turned his analytical skills to points, miles and credit cards. 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.^. 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. Purchase protection coverage limits vary among American Express cards, so its important that you review your cards guide to benefits so that you understand the coverage limits and exclusions that apply to you. How to File a Purchase Protection Claim with the Amex Delta Platinum Business Credit Card Call the Benefit Administrator within 30 days of the incident at 1-800-228-6855 or the number in your card's benefits guide. <>/ExtGState<>/XObject<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI] >>/MediaBox[ 0 0 612 792] /Contents 4 0 R/Group<>/Tabs/S/StructParents 0>> 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. _qUEy 3Q-VH'W]\3v5w,E13U "uelw[>O||'Wc1x,>V2X"Dd'PJ~f'2. Terms apply. The purchase must be made in the United States, be in like new condition and the merchant must have previously denied the return. Once American Express has all the information needed to process your claim, theyll notify you via email once a decision has been made. Please visit americanexpress.com/benefitsguide for more details. 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. Money Management 101. Coverage limits apply. Terms, conditions and limitations apply. If I'm on Disability, Can I Still Get a Loan? You must file a claim within 90 days of your original purchase through this link or by calling 800-228-6855. Thought I only needed a quote for reimbursement so I went to an authorized repair place that quoted approx $400. To file a claim with Amex purchase protection, you can do so online or by calling 800-228-6855. If disaster strikes your new laptop, smartphone, jacket, or any other recent purchase, you could get reimbursed courtesy of this American Express card benefit. Blue Cash Everyday Card from American Express. All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. <> Card member documents upload - American Express <> 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. Card issuers strive to set their products apart from the competition by offering incentives like welcome bonuses, but sometimes the less-flashy benefits can be even more valuable. . Terms, conditions and limitations apply. Commissions do not affect our editors' opinions or evaluations. You can also file a purchase protection claim over the phone by calling 1-800-228-6855. These online records helped me file my Amex claims quickly, rather than digging through a shoebox full of paper receipts. An increasing number of brick-and-mortar retailers (from The Home Depot to the Apple Store) will now email you a receipt from the register. Theres nothing easier than buying a gift card at the last minute. Hilton Honors American Express Aspire Card. Plus, AmEx can change the coverage at any time. In these cases, Amex will refund the entire purchase price up to $300 per item, excluding shipping and handling charges. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Eligible American Express cardholders can get reimbursed up to $1,000 or $10,000 per item (depending on the card) and up to . Beyond glamorous perks like airport lounge access and annual statement credits, American Express cards offer several valuable benefits that can protect your purchases. 3 0 obj The card details on this page have not been reviewed or provided by the card issuer. 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. Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back. , AmEx purchase protection only covers a maximum of $500 in claims per event. However, most purchases made in the United States qualify for return protection. Forbes Advisor created additional star ratings so that you can see the best card for specific needs. Instead, check the benefits guide to see the card's purchase protection coverage. In most cases, you won't need to do anything else they'll let you know if they need more information, otherwise, you'll just get a follow-up message letting you know that the amount will be posted as a credit to the American Express card you used to purchase the item. Next article If I have a problem or concern about my claim or the insurance coverage who should I contact? Shop moreconfidently with your Card knowing we have your back. If filing online, you will be prompted to submit required documents to support your claim. More information can be found here. Check the. These are provided as guidelines only and approval is not guaranteed. Credit Card Return Protection Terms | American Express US Return Protection Learn more about the benefits Card Membership can provide. Just make sure to file a notice of claim within 30 days of the loss. Finally, its not that hard to snap a photo of a receipt and retain it in your smartphones cloud storage archive for many years. American Express cards offer a valuable, complimentary perk that can keep your new purchases safe. If filing a damaged or stolen item claim, you may be asked to demonstrate a photograph showing the damage to your item. However, this card is so packed with benefits that this coverage doesn't make the card's highlights on the AmEx website. . He published over 2,000 articles on The Points Guy before becoming a freelance writer. All rights reserved. Many other issuers offer some form of damage against loss or theft for eligible items purchased with the 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. No minimum to redeem for cash back. What Types of Homeowners Insurance Policies Are Available? Coverage Limits Apply. Earn 5x Membership Rewards Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Thankfully, its really easy to search my email inbox to find receipts for everything Ive bought online. Just to see the cards they carry? Business cards are no exception. Log in to your American Express account. Business Green Rewards Card from American Express is no longer available through NerdWallet. Understanding Homeowners Insurance Premiums, Guide to Homeowners Insurance Deductibles, Best Pet Insurance for Pre-existing Conditions, What to Look for in a Pet Insurance Company, Marcus by Goldman Sachs Personal Loans Review, The Best Way to Get a Loan With Zero Credit. Information provided on Forbes Advisor is for educational purposes only. This compensation comes from two main sources. Almost every American Express credit and charge card offers purchase protection of some degree. The best credit cards for travel insurance benefits. American Express AMEX Assurance Company PO Box 981553 El Paso TX 79998-9920 (800) 858-5971 Toll Free Fax (800) 322-1277 Phone Purchase Protection Claim Form Claim Number (required) Instructions: Please. He writes for The Ascent and The Motley Fool, and his work has appeared in USA Today and Yahoo! as well as other partner offers and accept our, 4.4 out of Items permanently affixed to a home, office, vehicles, etc. <>>> Notably, American Express prepaid debit cards do not come with this benefit. Gold Delta SkyMiles Business Credit Card Purchase Protection Explained Its smart technology that helps us make sure its really you when shopping online. Sound too good to be true? From porch pirates to Murphy's law, a lot can go awry between the time you buy an item and make use of that purchase. 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. Blue Cash Preferred Card from American Express. Purchase protection will reimburse Amex Gold card cardholders for up to $10,000 per covered purchase and up to $50,000 for all covered incidents per cardholder during a calendar year (coverage limits apply). This benefit offers cardholders compensation when a store will not accept an eligible item for return within 90 days of purchase. This coverage is complimentary on most AmEx cards including some debit, prepaid and reloadable AmEx cards. . Policies are underwritten by AMEX Assurance Company. Fortunately, American Express offers it as one of its standard perks, including with its cards that don't have an annual fee. Underwritten by AMEX Assurance Company. US Newcomers. Go to the Amex extended warranty claims webpage to file online. Authorized users are also covered, as long as theyre U.S. residents. Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available. 1 0 obj For most people, the purchase protection benefit offered by some credit cards flies under the radar. There are some types of purchases that aren't covered by Amex purchase protection. The explanation field can be something as simple as "Merchant does not accept returns after 30 days" or 'merchant does not accept returns on sale items'. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Items voluntarily or involuntarily discarded. Select "purchase protection" on the next page and continue the process. This site does not include all credit card companies or all available credit card offers. Our points-obsessed staff uses a plethora of credit cards on a daily basis. Select the Card below to read the full terms and conditions for Return Protection related to that Card. This influences which products we write about and where and how the product appears on a page. Delta SkyMiles Reserve Business American Express Card. You may also be asked to return the item to Amex, so be sure to hang onto it until your claim is resolved. Health care items and/or medical equipment. The card details on this page have not been reviewed or provided by the card issuer. Purchase protection will reimburse you for theft, loss or accidental damage to eligible items that occurred within 90 days of purchase. If you'd rather file a purchase protection claim by phone, call 1-800-228-6855.