This information may be different than what you see when you visit a financial institution, service provider or specific products site. 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. 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. Items voluntarily or involuntarily discarded. All financial products, shopping products and services are presented without warranty. Coverage can vary based on your state of residence, though, and bonus categories sometimes have caps. The purchase protection benefit offered by select credit cards covers eligible purchases against accidental damage or theft and for some cards, loss in the first few months after you use an eligible card to pay for the purchase. To start the process, log into your AmEx account and go to the claims center page. Delta SkyMiles Platinum American Express Card. He published over 2,000 articles on The Points Guy before becoming a freelance writer. Enrollment required. Amex EveryDay Credit Card is no longer available through NerdWallet. 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. 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 Earning rates: 10 miles per dollar spent on hotels and rental cars booked through Capital One Travel; 5 miles per dollar spent on flights booked through Capital One Travel; 2 miles per dollar spent on all other purchases. How to file a purchase protection claim with Amex. Thankfully, many credit cards offer so-called "purchase protection" that covers theft, damage and loss within a set time after purchase. Click "file a claim" and select the card for which you're filing a claim, enter your date of purchase and click "continue.". The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Earn 4X Membership Rewards Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Your financial situation is unique and the products and services we review may not be right for your circumstances. For The Platinum Card from American Express, Delta SkyMiles Reserve American Express Card, American Express Gold Card, Gold Card, and Ameriprise Gold Card Members Purchase Protection can also help protect your purchases for up to 120 days* from the date of purchase if the item is stolen, accidentally damaged or lost. Often, you will get a response to your initial claim inquiry within 48 hours. Finally, its not that hard to snap a photo of a receipt and retain it in your smartphones cloud storage archive for many years. Plus, not all damage and losses are covered. Cash and its equivalent (including, but not limited to, gift cards and gift certificates). It appears that JavaScript is either disabled or not supported by your web browser. You'll notice that nearly all AMEX cards offer this benefit, so chances are you're already covered. When you purchase an item with a manufacturer's warranty, this benefit can add an extra year to the warranty. Do not sell or share my personal information. And Visa offers Purchase Security to Visa Infinite cardmembers. Juan is a travel writer that specializes in travel and personal finance, including content on credit card products and airline and hotel loyalty programs. Coverage applies for 90 days after purchasing the item. Terms apply. To provide notice you can call Amex at the following phone number: 1-800-322-1277 or, if from overseas, by calling collect 1-303-273- 6498. 3 points per dollar on eligible Delta purchases; 1 point per dollar on other purchases. Whether you want to pay less interest or earn more rewards, the right card's out there. Terms, Conditions and Limitations Apply. Eligible AmEx cardmembers can still file a purchase protection claim for a covered loss even if you've redeemed Membership Rewards points for all or part of that purchase including Pay With Points redemptions. 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. 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. *Benefits may vary by issuer. Chase, for example, offers purchase protection for up to 120 days on the Chase Freedom Unlimited, Chase Freedom Flex* and Chase Sapphire Preferred Card and Chase Sapphire Reserve. In these cases, Amex will refund the entire purchase price up to $300 per item, excluding shipping and handling charges. Extended Warranty benefits extend your manufacturers warranty coverage, often by as much as a year. The card details on this page have not been reviewed or provided by the card issuer. The annual maximum is also pretty generous at $50,000 per year for most cards. However, there are varying levels of protection. Enrollment required. *Excess of 50 applies. The American Express Platinum card purchase protection insures items bought with this card for up to $10,000 per incident and $50,000 per account per year. By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. We believe everyone should be able to make financial decisions with confidence. Cristina Gibson is a writer and journalist who has covered consumer goods, fashion, technology, and travel for more than 15 years. 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. New comments cannot be posted and votes cannot be cast. Purchase protection will reimburse you for theft, loss or accidental damage to eligible items that occurred within 90 days of purchase. You will be asked for a copy of the receipt, your Amex purchase record and the original warranty. 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! Negotiable instruments, such as stamps and travelers' checks. Amazon marketplace merchant won't accept returns after 30 days. Not as useful for those living outside the U.S. A variable APR of 19.49%28.24% applies thereafter. Eligibility and Benefit level varies by Card. I started a claim on Feb 11 and Uploaded the Claim Form and Store receipt on Feb 13. When we think of travel rewards card benefits, we tend to think of lounge access, free checked bags and companion tickets, but dont stop there. Purchase Protection often covers loss, damage and theft for a short period of time, usually a few months, after purchase. If a recently purchased item is damaged, stolen or lost, your first step should be to determine whether the card used to purchase the item has purchase protection. Terms apply. There's a lot to love about the Amex Gold card. Hilton Honors American Express Surpass Card. I have the Platinum card so would this be covered under lost item protection or would I be SOL? Covered Eligible Purchases are items bought with your Eligible Card and are covered for the first 90 days after the day of purchase. Other shopping protections: Extended warranty protection adds an additional year to eligible manufacturers warranties of three years or less while return protection covers returns within 90 days of purchase. Read more. Aaron is an avid global traveler and miles and points enthusiast. Purchase Protection Protect your shopping Enjoy stress-free shopping when you use your American Express Card, with 90-day Purchase Protection. Each eligible AmEx card is covered for up to $50,000 in claims per year. This purchase protection product covers damage and theft, but only up to $500 per claim and $50,000 per account. Just answer a few questions and we'll narrow the search for you. Best Balance Transfer & 0% APR Credit Cards, NerdWallets Best Credit Card Tips for March 2023, Get more smart money moves straight to your inbox. 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. 3 yr. ago. 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. Past performance is not indicative of future results. 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. 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. In short, covered purchases are covered for up to 90 days from the date of purchase for up to $10,000 per covered purchase and up to $50,000 per eligible card per calendar year. When deciding which travel rewards card to use for large purchases, its important to look beyond the points and miles you earn. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Our opinions are our own. %%EOF American Express removed this perk from most of its cards effective at the start of 2020. Here, you'll need to provide a copy of the purchase receipt and proof of loss. Can You Get a Credit Card Without a Social Security Number? If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Each category has certain conditions attached to it. Find the right card for you. 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. 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. Select the Card below to read the full terms and conditions for Return Protection related to that Card. Eligibility and Benefit level varies by Card. *Eligibility and benefit levels vary by card. This site does not include all credit card companies or all available credit card offers. The American Express Platinum card purchase protection insures items bought with this card for up to $10,000 per incident and $50,000 per account per year. One-of-a-kind items, such as antiques and artwork, or limited-edition items. 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. The Centurion Card from American Express and The Business Centurion Card from American Express. To file a claim with Amex purchase protection, you can do so online or by calling 800-228-6855. Marriott Bonvoy Brilliant American Express Card. How do I Redeem Membership Rewards Points. However, if your item is just lost or missing, you wont need a police report. Claims can be made online or by giving American Express a call at 1-800-322-1277. Purchase protection is included in many U.S. American Express cards at no additional cost to the cardholder. Amex members get a variety of benefits including exclusive rewards and discounts, 24/7 customer service, travel benefits such as trip protection and car rental savings, and access to extraordinary events. Explore our Cards Terms and Conditions 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. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. 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. Visit americanexpress.com/benefitsguide for details. You should also know that purchase protection does not cover damage to items when shipped by a third party and under their temporary care, including a common carrier. Editors note: This is a recurring post, regularly updated with new information. Welcome bonus: Earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first six months of card membership. To be eligible, all you have to do is charge a portion of your qualifying purchase to your American Express card but you'll only be reimbursed up to the amount charged to your card. Return Protection1 Related: Why I switched from the Chase Freedom to the Chase Freedom Flex. 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. Help protect your eligible Submitted a claim and it was approved the next day. As with any insurance or coverage product, AmEx purchase protection comes with limitations and exclusions. It seemed like a good idea at the time, but once I received it and had a chance to install it, I realized that it scared my daughter and seemed too dangerous to me as well. You want a travel credit card that prioritizes whats important to you. Terms, Conditions and Limitations Apply. Youll be asked for a copy of the receipt and your Amex purchase record. has been a Senior Points and Miles Contributor for TPG since 2012. Items purchased for resale, professional or commercial use. Earn 4X Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Although this is an oft-overlooked benefit, purchase protection can provide exceptional value. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105, The Guide to AmEx Purchase Protection on Travel Cards. Indirect or direct damage to an item or property resulting from a covered event. Terms, conditions and limitations apply. Big spenders should note that the purchase protection on The Platinum Card from American Express only covers up to $10,000 per covered purchase. TPG values this bonus at $1,388. Pre-qualified offers are not binding. Instead, check the benefits guide to see the card's purchase protection coverage. Finally, some American Express cards offer purchase protection even when you lose a recently-purchased item. Learn more: The best travel credit cards right now. Purchase protection can save your skin and protect the items you've purchased if a recently-bought item is damaged or stolen. Purchase protection offers short-term insurance for your everyday purchases, in case the items are stolen or damaged. Best card for premium perks while traveling, Capital One Venture X Rewards Credit Card, The Business Platinum Card from American Express, Quick Points: Hyatt Globalists get free parking on award stays, What are points and miles worth? I confess that I dont save a copy of the register receipt from every purchase I make Im just not that organized. All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. In addition to writing for Forbes.com, Aaron is a full-time professional advisor to Fortune 500 companies at a global consulting firm. Related: Your complete guide to shopping protections on American Express cards. Terms apply. Failing that, I also can search my order history at Amazon, eBay and other online retailers I use. 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. Disclaimer: NerdWallet strives to keep its information accurate and up to date. Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased throughRead More. 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. Improve earnings, maximize rewards and track progress toward dream trips. Hilton Honors American Express Aspire Card is no longer available through NerdWallet. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. All rights reserved, 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. And extended warranty protection offers one full year of coverage at $10,000 per item and up to $ . If you have an item that was damaged or stolen shortly after you purchased it, it can be worth checking the guide to benefits of the card you used to purchase that item to see if a form of purchase protection applies. You need to typically provide documentation (receipts) and sometimes proof such as a police report. You would only be reimbursed up to the amount charged on the card. I was notified about a week later that my claim had been accepted, and I was issued a statement credit for the purchase price. Here is a list of our partners and here's how we make money. The other card networks often offer their own purchase protections as part of their network affiliation. All information about The Amex EveryDay Preferred Credit Card from American Express has been collected independently by NerdWallet. 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. AmEx makes it easy to file a purchase protection claim on its website. Hilton Honors American Express Aspire Card. 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x), 3x on flights booked directly with the airline or with Amex Travel, Welcome bonus of 60,000 points after spending $4,000 in the first six months, Weak on travel outside of flights and everyday spending bonus categories. to see if your incident is covered. |F\ba9F ~Zh1m$5(9=H$3wxMd/L}hLXI=eO*"Z:#x&OpDZH~}7~H{h9uqGM_)J'p3TFE3H8Z;t 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. While extended warranty coverage offers more comprehensive damage protection, purchase protection gives you more protection in case of theft. Have you considered how much it will cost to use credit card while traveling abroad? Finders keepers is not really a thing. If filing online, you will be prompted to submit required documents to support your claim. 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. AmEx purchase protection also doesn't cover losses when the item isn't "reasonably safeguarded" such as leaving it in an unlocked car or publicly unattended. Can You Buy Gift Cards with a Credit Card? There are credit cards offering purchase protection that aren't included in this list. Please review. The Hilton Honors American Express Business Card. This benefit acts as a kind of insurance against theft or damage for a period of time after you buy something. Purchases must be made in the U.S. or its territories, Send Money & Split Purchases: Venmo and PayPal, Credit Intel Financial Education Center. PSA: Never ever ever put anything in the seat pocket of an airplane. All financial products, shopping products and services are presented without warranty. 0% intro APR for 15 months from account opening on purchases and balance transfers. Official application link: Blue Cash Everyday Card from American Express. Finally, some American Express cards offer purchase protection even when you lose a recently-purchased item. 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. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. AmEx makes it easy to file a purchase protection claim on its website. 995 0 obj <>stream For an explanation of our Advertising Policy, visit. Our partners cannot pay us to guarantee favorable reviews of their products or services. Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 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. Purchase protection can reimburse you for the cost of repairing or replacing the item you purchased, assuming you paid for it with a card that provides purchase protection. Read more. Plus, AmEx can change the coverage at any time. Disclaimer: NerdWallet strives to keep its information accurate and up to date. Visit americanexpress.com/benefitsguide for details. For an explanation of our Advertising Policy, visit. * These cards include: Related: The 5 Amex cards were keeping in our wallets and why. One-of-a-kind items, such as rare stamps and coins. Beyond that, I think its prudent to factor these protections into your decision of which card to use whenever you make a large purchase. Although this guide focuses on purchase protection, you should also consider benefits like return protection, price protection and extended warranty. 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. The best credit cards for travel insurance benefits. Battle of the premium travel rewards cards which is best for you? Plus, AmEx can change the coverage at any time. NerdWallet strives to keep its information accurate and up to date. 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.