However, the purchase protection coverage amounts and limitations vary between AmEx cards. 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. Can You Buy Gift Cards with a Credit Card? File a police report within 48 hours of the incident, if the item was stolen. Frequently Asked Questions. 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. Explore our Cards Terms and Conditions x][s8~wjJ[1M\INm)qTdctJ ) E=SH"h6 O6=rv,_7r3Y/s#.t'kd bBJK9>:}YqaX0DI With most Amex cards, you're covered for up to $1,000 per covered incident and up to $50,000 per year, but the reimbursement doesn't include any shipping or handling expenses. 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. Find out here how we keep you up to date. 1 CLAIM DETAILS 2 DOCUMENT LIST Enter your claim details. 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. Earn 5% on Chase travel purchased through Chase Ultimate Rewards, 3% on dining and drugstores and 1.5% on all other. In contrast, more than a dozen personal American Express cards include loss as a qualified purchase protection reason in their benefits. For this purchase protection coverage to apply, you must pay for at least a portion of the purchase with your Amex card or American Express rewards points. Marriott Bonvoy Brilliant American Express Card. Amex Delta Platinum Business Credit Card Purchase Protection Explained If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. Just to see the cards they carry? Often, you will get a response to your initial claim inquiry within 48 hours. Purchase protection is an embedded benefit of your card membership and requires no enrollment. 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. Credit Card Extended Warranty and Terms | American Express Extended Warranty Learn more about the benefits Card Membership can provide. American Express Return Protection | The Motley Fool 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. Buyer's Assurance Protection Plan extends the original equipment manufacturer's basic warranty, the plan will not extend any additional coverage purchased from the manufacturer, retailer or any other source. Amex purchase protection covers new purchases that are damaged, stolen, or lost within the first 90 days. Eligible American Express cardholders can get reimbursed up to $1,000 or $10,000 per item (depending on the . Delta SkyMiles Platinum Business American Express Card. Covered Eligible Purchases are items bought with your Eligible Card and are covered for the first 90 days after the day of purchase. I definitely lean toward my Amex card when I buy a television, computer or a major appliance that can be costly to repair even if it means sacrificing bonus points. Please visit americanexpress.com/benefitsguide for more details. Terms, Conditions and Limitations Apply. Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more. (If Amex doesn't ask for the item back, you can donate or discard it.). AMERICAN EXPRESS AMEX ASSURANCE COMPANY PO BOX 981553 EL PASO TX 79998-9920 Purchase Protection Claim Form Claim Number: SECTION 1: CARD MEMBER INFORMATION: American Express Card Account Number used to purchase the item: Card Member's Name: State: Phone Number: Email: SECTION 2: PURCHASE INFORMATION: Address: City:Zip: Information provided on Forbes Advisor is for educational purposes only. 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.*. And Visa offers Purchase Security to Visa Infinite cardmembers. However, most purchases made in the United States qualify for return protection. AMEX Purchase Protection Claim - Fill and Sign Printable Template Online Copyright 2018 - 2023 The Ascent. Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available. has been collected independently by NerdWallet. For a full list of what's not covered by American Express purchase protection, review your Amex card's guide to benefits. The Hilton Honors American Express Business Card. Supplier Diversity. 2023 American Express. You want a travel credit card that prioritizes whats important to you. 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. Here is a list of our partners. Are you sure you want to rest your choices? Personal hygiene items or any devices (medical or nonmedical) that have been personally used and could be considered a health risk to others. You also may be asked to return the item to Amex in the event it cant be repaired or to provide proof of loss via a repair estimate form or photographs showing the item's current condition. **, Morgan Stanley Blue Cash Preferred American Express Card.**. Policies are underwritten by AMEX Assurance Company. Purchase Protection is normally not the first benefit that comes to mind when you think of your American Express card perks. The claim should be provided within thirty (30) days of the loss or as soon as reasonably possible. , AmEx purchase protection only covers a maximum of $500 in claims per event. Yes, cardmembers of the American Express Gold Card are covered by AmEx's purchase protection coverage. It can help protect covered purchases made on your eligible card when theyre accidentally damaged, stolen, or lost, for up to 90 days from the covered purchase date. It can help protect Covered Purchases made on your Eligible Card when theyre accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. If you'd rather file a purchase protection claim by phone, call 1-800-228-6855. Please read important exclusions and restrictions. Beyond that, I think its prudent to factor these protections into your decision of which card to use whenever you make a large purchase. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Visit Amex's dedicated webpage or call the Benefit Administrator within 30 days . . The purchase must be made in the United States, be in like new condition and the merchant must have previously denied the return. . Items not being safeguarded or left at an unlocked location. You can do so online or by calling Amex at 1-800-322-1277. In the American Express claims center, click "File a Claim" and go through the claims process. Many popular rewards credit cards come with generous welcome offers and useful benefits to attract consumers. The following items are excluded from this policy: See the entire return protection policy for your card here. Lyle Daly is a personal finance writer who specializes in credit cards, travel rewards programs, and banking. We'll run a soft credit check to find special offers, but it wont affect your credit score. }lO861|<>?] _$QH:V^Y$6,Da1h(IAY#
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