endobj Credit Score 101. 4.4 Many Amex cards offer purchase protection but coverage limits vary. 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. United States. Call 1-800-243-0198 for more information. 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. 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. Policies are underwritten by AMEX Assurance Company. ^Eligibility and benefit levels vary by card. Here, you'll need to provide a copy of the purchase receipt and proof of loss. Cash and cash-like items including gift certificates, stamps and coins. Heres what you need to know about foreign transaction fees what they are and how to avoid them. See if Youre Pre-Qualified, Credit Intel Financial Education Center. Personal cards with purchase protections from AmEx include: The Platinum Card from American Express. Here are our picks for the best travel credit cards of 2023, including those best for: Flexibility, point transfers and a large bonus: Chase Sapphire Preferred Card, No annual fee: Bank of America Travel Rewards credit card, Flat-rate travel rewards: Capital One Venture Rewards Credit Card, Bonus travel rewards and high-end perks: Chase Sapphire Reserve, Luxury perks: The Platinum Card from American Express, Business travelers: Ink Business Preferred Credit Card, About the author: JT Genter is a freelance points, miles and credit card writer formerly of The Points Guy. %PDF-1.5 Earn 5X Membership Rewards Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards Points on prepaid hotels booked with American Express Travel. If I'm on Disability, Can I Still Get a Loan? There are a multitude of purchases that are excluded from purchase protection. However, this card is so packed with benefits that this coverage doesn't make the card's highlights on the AmEx website. You can view the full extended warranty policy for each card. Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Delta SkyMiles Platinum American Express Card. Now there are even more places your Platinum Card can get you complimentary entry and exclusive perks. If filing online, you will be prompted to submit required documents to support your claim. This information may be different than what you see when you visit a financial institution, service provider or specific products site. 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). *Eligibility and benefit levels vary by card. Once American Express has all the information needed to process your claim, theyll notify you via email once a decision has been made. With most Amex cards, youre covered for up to $1,000 per covered incident and up to $50,000 per year, but the reimbursement doesnt include any shipping or handling expenses. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Earn 5% on Chase travel purchased through Chase Ultimate Rewards, 3% on dining and drugstores and 1.5% on all otherRead More, A good overall spending card that allows you to hold a balance on new purchases with a low introductory APR, pay no annual fee, and still earn at least 1.5% cashback on all purchases. Eligible American Express cardholders can get reimbursed up to $1,000 or $10,000 per item (depending on the card) and up to $50,000 per cardholder. 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. as well as other partner offers and accept our, 4.4 out of Negotiable instruments including travelers' checks and gift cards. 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. All consumer American Express cards offer purchase protection for eligible purchases. 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. Instead, check the benefits guide to see the card's purchase protection coverage. Copyright, Trademark and Patent Information, One-of-a-kind items including antiques, artwork, and furs, Purchases that are consumable or have a limited life span, Previously owned and used items (except when refurbished by the original manufacturer), A copy of any insurance declaration pages for other policies that cover the purchase, A photograph and/or a completed repair estimate form, For theft and vandalism claims -- a written incident report filed with the appropriate authority before you filed your purchase protection claim. Please review. For example, AmEx won't approve a claim for damage to an item "purchased for play." 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. Terms, Conditions and Limitations Apply. Return protection is a super valuable benefit, and luckily it's available on virtually all American Express cards. NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. Only two American Express business cards, the Delta SkyMiles Reserve Business American Express Card and The Business Platinum Card from American Express, elevate coverage to $10,000. The coverage maximums vary by card, though. 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. This influences which products we write about and where and how the product appears on a page. This depends on the circumstances of the loss. AmEx makes it easy to file a purchase protection claim on its website. . The claim should be provided within thirty (30) days of the loss or as soon as reasonably possible. Delta SkyMiles Reserve Business American Express Card. Purchase Protection is underwritten by AMEX Assurance Company. Health care items and/or medical equipment. Terms, conditions and limitations apply. To file an American Express return protection claim . The Points Guy, Forbes Advisor, AwardWallet, LendingTree. Be the first to know if we spot anything odd or unusual on your account, thanks to our account and fraud alerts. Please visit americanexpress.com/benefitsguide for more details. For most people, the purchase protection benefit offered by some credit cards flies under the radar. When deciding which travel rewards card to use for large purchases, its important to look beyond the points and miles you earn. 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. Get the latest tips you need to manage your money delivered to you biweekly. Editorial Note: We earn a commission from partner links on Forbes Advisor. Additional Information. Other business cards only offer coverage for damaged or stolen items on purchase protection claims. 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. 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'. Here are a few examples of proof of loss that American Express may ask for: American Express pays purchase protection claims within 30 days of receiving satisfactory proof of loss and determining the claim is payable. It also doesn't cover events that occurred because the item wasn't reasonably safeguarded. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Delta SkyMiles Gold American Express Card. 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. Indirect or direct damage to an item or property resulting from a covered event. 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. Nonetheless, this useful benefit can save you hundreds (maybe thousands) if you have the misfortune of theft or damage on a covered purchased item within 90 days of purchasing the item. Credit Card Extended Warranty and Terms | American Express Extended Warranty Learn more about the benefits Card Membership can provide. Delta SkyMiles Platinum Business American Express Card. All information about Amex EveryDay Credit Card has been collected independently by NerdWallet . I was notified about a week later that my claim had been accepted, and I was issued a statement credit for the purchase price. $300 Equinox Credit: Get up to $300 back each year on an Equinox+ subscription, or any Equinox club memberships when you pay with your Platinum Card. Remember you need to provide a copy of the purchase receipt and file a Notice of Claim within 30 days of the loss or damage. . Our partners compensate us. Terms apply. You can view the full list of cards here. More information can be found, American Express makes it easy you can file your claim. Disclaimer: Amex is an Insider advertiser. 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. Finally, its not that hard to snap a photo of a receipt and retain it in your smartphones cloud storage archive for many years. One-of-a-kind items, such as antiques and artwork, or limited-edition items. This site does not include all credit card companies or all available credit card offers. How Much Does Home Ownership Really Cost? Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). If a loss is due to theft, you may need to provide a copy of the police report. When evaluating offers, please review the financial institutions Terms and Conditions. We may receive compensation when you click on links to those products. By Cristina Gibson | American ExpressCredit IntelFreelance Contributor. 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. Terms, conditions and limitations apply. This coverage is complimentary on most AmEx cards including some debit, prepaid and reloadable AmEx cards. Performance information may have changed since the time of publication. . You may also be asked to return the item to Amex, so be sure to hang onto it until your claim is resolved. shopping purchases when you use your Eligible Card. American Express cards offer a valuable, complimentary perk that can keep your new purchases safe. 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. Credit Score ranges are based on FICO credit scoring. In addition to writing for Forbes.com, Aaron is a full-time professional advisor to Fortune 500 companies at a global consulting firm. Lyle Daly is a personal finance writer who specializes in credit cards, travel rewards programs, and banking. Most Cards allow up to $1,000 per incident, with a limit of $50,000 per year. Pre-qualified offers are not binding. This post contains references to products from one or more of our advertisers. How do I find and add Amex Offers to my Card? Aaron is an avid global traveler and miles and points enthusiast. There are more than a dozen personal cards that offer $10,000 in purchase protection coverage per item. American Express consumer cards all offer purchase protections for eligible purchases for 90 days from the date of purchase to file a claim. If you'd. has been a Senior Points and Miles Contributor for TPG since 2012. So, you can't claim purchase protection if your baseball bat or hockey stick breaks. Do all Amex cards offer purchase protection? The first claim was for a childs bicycle seat that was supposed to mount on my bikes handlebars. $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card. There are some types of purchases that aren't covered by Amex purchase protection. You must file a claim within 30 days of loss through this link or by calling 800-228-6855. Please visit americanexpress.com/benefitsguide for more details. To view rates and fees for the Delta SkyMiles Reserve American Express Card please visit this page. Products covered by an unconditional satisfaction guarantee. For a complete description of the policies of your American Express card, select your card on this page. Anything purchased for resale or commercial use. Worry less. Terms apply. Also, note that some losses are excluded such as if you left the item in an unlocked car. Click "Enter. When you purchase an item with a manufacturer's warranty, this benefit can add an extra year to the warranty. 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. American Express purchase protection works by covering the damage or theft of eligible purchases for up to 90 days after the purchase date. Previous article If I submit a claim and receive a benefit, does my coverage stop? All Credit Intelcontent is written by freelance authors and commissioned and paid for by American Express. A premium card with a higher annual fee may offer up to $10,000. You will be asked certain questions about your claim at that time. Many or all of the products featured here are from our partners who compensate us. Terms apply. Business Green Rewards Card from American Express is no longer available through NerdWallet. Supplier Diversity. When evaluating offers, please review the financial institutions Terms and Conditions. Finance. You should do this within 30 days (or as soon as reasonably possible) of your eligible item being damaged, stolen, or lost. That proof of loss depends on the circumstances. $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, The New York Times, and other participating providers. JavaScript must be enabled to experience the American Express website and to log in to your account. Instead, check the benefits guide to see the card's purchase protection coverage. All Rights Reserved. For example, it doesn't protect against normal wear and tear or damage to an item that was purchased for play, such as sports equipment. Visit Amex's dedicated webpage or call the Benefit Administrator within 30 days . The material made available for you on this website, Send Money & Split Purchases: Venmo and PayPal, Interested in Amex? Many or all of the products here are from our partners that compensate us. In this post, Ill look at the three different shopping protection policies offered by many American Express cards and explain how you can leverage these benefits to save money. Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% 28.49%. The following items are excluded from this policy: See the entire return protection policy for your card here. If that item is lost, stolen or damaged within the first 90 days, file a Notice of Claim within 30 days to start the claims process. Items voluntarily or involuntarily discarded. Subject to additional terms, conditions and exclusions. Select the Card below to read the full Policy for Extended Warranty related to that Card. $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card. 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.*. He was born in California but currently lives as a digital nomad with a home base in Colombia. Terms apply to the offers listed on this page. Underwritten by AMEX Assurance Company. All information about The Amex EveryDay Preferred Credit Card from American Express has been collected independently by NerdWallet. American Express purchase protection works by covering the damage or theft of eligible purchases for up to 90 days after the purchase date. x][s8~wjJ[1M\INm)qTdctJ ) E=SH"h6 O6=rv,_7r3Y/s#.t'kd bBJK9>:}YqaX0DI So, checking. One of our top choices for the best credit card for purchase protection is the Amex Platinum card. War, acts of war or service in the military. Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required), Annual statement credits with Saks and Uber, Bonus categories leave something to be desired, One of the highest annual fees among premium travel cards, Fee-only vs. commission financial advisor, See Business Insider's list of the best rewards credit cards , Have you ever purchased something and wanted to return it only to find out you were past the return window? The card details on this page have not been reviewed or provided by the card issuer. Business Green Rewards Card from American Express. 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. Keep reading for a step-by-step guide to using the return protection benefit on your American Express card. Explore our Cards Terms and Conditions *Eligibility and Benefit level varies by Card. 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. Underwritten by AMEX Assurance Company. Earn 5% on Chase travel purchased through Chase Ultimate Rewards, 3% on dining and drugstores and 1.5% on all other. You can do so online or by calling Amex at 1-800-322-1277. Often, you will get a response to your initial claim inquiry within 48 hours. 1 0 obj Items permanently affixed to a home, office, vehicles, etc. Select "purchase protection" on the next page and continue the process. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. How do I file a purchase protection claim? Though the majority of cards within the American Express portfolio carry purchase protection as a perk, you wont get the same level of coverage from all credit cards. The Platinum Card, Gold Card, Delta SkyMiles Reserve Card, Hilton Aspire Card, and Marriott Bonvoy Brilliant Card are just a few examples. Items purchased for resale, professional or commercial use. 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. This benefit offers cardholders compensation when a store will not accept an eligible item for return within 90 days of purchase. Claim amount was around $300. Check the details of your card's coverage to see if your incident is covered. 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. This benefit applies if you made the purchase, or at least a portion of it, with your American Express card or American Express points. 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. In addition to filing your claim, you must provide proof of loss within 60 days of the incident or as soon as reasonably possible. Hilton Honors American Express Aspire Card is no longer available through NerdWallet. 3 0 obj See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. Make sure to file a claim within 30 days of the incident - or as soon as reasonably possible. I don't have much time to deal with this but I've never filed a claim before. 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). I was not asked to return the items in question in either case. However, this card is so packed with benefits that this coverage doesn't make the card's highlights on the AmEx website. All information about Hilton Honors American Express Aspire Card has been collected independently by NerdWallet. Here are some tips to help you navigate this growing trend. Related: The best credit cards with price protection. Each eligible AmEx card is covered for up to $50,000 in claims per year. What Types of Homeowners Insurance Policies Are Available? AmEx return protection is an extended return policy covering eligible purchases. 1 CLAIM DETAILS 2 DOCUMENT LIST Enter your claim details. Does AmEx purchase protection cover lost items? Have you considered how much it will cost to use credit card while traveling abroad? Phone fell out of my pocket getting out of the car and cracked the rear glass. Do not sell or share my personal information. He writes for The Ascent and The Motley Fool, and his work has appeared in USA Today and Yahoo! There are also coverage limits, which depend on the card that you have. After working as a tax accountant for a decade, JT turned his analytical skills to points, miles and credit cards. Please visit americanexpress.com/benefitsguide for more details. We believe everyone should be able to make financial decisions with confidence. Coverages Available on Your Card Coverages you have Purchased Call us first if you have a travel medical emergency: Toll-free from US & Canada 1-800-243-0198 From anywhere in the world (905) 475-4822 Travel Emergency Medical Insurance1 Travel Accident Insurance3 Flight and Baggage Delay & Hotel Burglary Insurance1 Once youve submitted the necessary supporting documents, American Express will send you an email confirmation stating your documents were received. Eligibility and Benefit level varies by Card. Motorized vehicles, parts and accessories. Compare the cost in points or miles to cash, and see which option is best. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). AmEx makes it easy to file a purchase protection claim on its website. If you have multiple American Express cards with varying coverage limits, make sure that your large purchases are made on your cards with the largest coverage limits. No annual fee You wont have to pay an annual fee for all the great features that come with your Freedom Unlimited card. Just to see the cards they carry? $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. From lamps to loungewear and from headphones to handbags, you can use your Eligible Card with more confidence when youre covered with Purchase Protection. We'll run a soft credit check to find special offers, but it wont affect your credit score. Hilton Honors American Express Surpass Card. Please read important exclusions and restrictions. How can I check the status of a claim? For an explanation of our Advertising Policy, visit. Click "File a Claim," then provide the required information. Cost includes $12.95 plus applicable local sales tax. 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. Youll be asked for a copy of the receipt and your Amex purchase record. Earn 80,000 Membership Rewards Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership. 1. _qUEy 3Q-VH'W]\3v5w,E13U "uelw[>O||'Wc1x,>V2X"Dd'PJ~f'2. 4 0 obj Consumable or perishable items like food and batteries. The most common coverage amount is $1,000 per covered incident, but some premium American Express cards cover purchases. Amex EveryDay Credit Card from American Express, Blue Cash Everyday Card from American Express, Blue Cash Preferred Card from American Express, Delta SkyMiles Blue American Express Card, Delta SkyMiles Gold American Express Card, Delta SkyMiles Platinum American Express Card, Delta SkyMiles Reserve American Express Card, Hilton Honors American Express Aspire Card, Marriott Bonvoy Brilliant American Express Card. Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back. The other card networks often offer their own purchase protections as part of their network affiliation. Something went wrong. Past performance is not indicative of future results. More information can be found here. Please try again later. Let's take a look at the current coverage on, holders are covered for up to 90 days from the date of a covered purchase of an eligible item. If an eligible purchase is damaged, stolen, or lost within 90 days of the purchase date, you can file a claim for reimbursement. }lO861|<>?] _$QH:V^Y$6,Da1h(IAY# Checking vs. Savings Account: Which Should You Pick? Shop safe withSafeKey. How to file a purchase protection claim with Amex. To start the process, log into your AmEx account and go to the claims center page. Does the Gold card have purchase protection? Eligible American Express cardholders can get reimbursed up to $1,000 or $10,000 per item (depending on the . NerdWallet strives to keep its information accurate and up to date. Help protect your eligible AmEx purchase protection excludes a long list of types of purchases, including: Antiques, artwork and previously used items. How to File a Purchase Protection Claim with the Gold Delta SkyMiles Business Credit Card. Thought I only needed a quote for reimbursement so I went to an authorized repair place that quoted approx $400. . Items not being safeguarded or left at an unlocked location. You can contact Assurant by phone for any questions regarding the status of your claim at 1-800-708-0807. However, there are plenty of credit cards that offer travel insurance and protections. American Express processes claims more quickly than some other issuers. Terms apply. If that happens due to a covered event, you can file a claim with American Express for reimbursement. Select categories from the drop-down menus and then fill in the merchant, manufacturer, purchase date, and price. Theres nothing easier than buying a gift card at the last minute. AmEx purchase protection generally covers theft, loss and damage to eligible items within 90 days of purchase. Terms and conditions will apply. However, there are varying levels of protection. Some premium American Express Cards also include coverage for lost items and provide coverage of up to $10,000 per incident and $50,000 per year. Let's take a look at the current coverage on The Platinum Card from American Express as an example. Consumable or perishable items such as perfume, light bulbs and batteries. 1 point per dollar on other purchases. 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. Motorized vehicles, their parts and accessories as well as those parts and accessories intended for use with the motorized vehicles. The claim process begins when you file your claim. 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. when you need coverage is essential. My next chance to use these benefits came when a computer part failed about a year and a half after purchase and had a warranty of just one year. JT Genter is a freelance points, miles and credit card writer formerly of The Points Guy. 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 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.
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