You want a travel credit card that prioritizes whats important to you. Related: Best credit cards for extended warranties. Terms apply. Virtually all Amex Membership Rewards, cash back and travel credit cards come with this benefit, ranging from basic cards to ultra-premium cards like The Platinum Card from American Expressand co-branded cards with Hilton and Delta (Terms apply). You would only be reimbursed up to the amount charged on the card. This benefit covers eligible items purchased with an eligible American Express card against damage or theft. Related: How an often-overlooked credit card benefit put $1,400 back in my wallet. One-of-a-kind items, such as rare stamps and coins. 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. And you'll usually be required to file a police report if you are claiming it as stolen. PDF Return Protection - American Express After logging in, click "File a Claim." Go through the online claim process and provide the required information. It appears that JavaScript is either disabled or not supported by your web browser. 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. Be the first to know if we spot anything odd or unusual on your account, thanks to our account and fraud alerts. While extended warranty coverage offers more comprehensive damage protection, purchase protection gives you more protection in case of theft. Can You Buy Gift Cards with a Credit Card? 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. This is important because many cardholders believe American Express has the least painful claim process of any issuer. its said 10 business but its already past. Credit Card Purchase Protection | American Express UK Please try again later. Does AmEx purchase protection cover lost items? More information can be found, American Express makes it easy you can file your claim. This card shines for this use, but overall the star ratings may differ when compared to other cards. First, you have to have the right card. Be sure to check your cardholder agreement for your specific benefits. Improve earnings, maximize rewards and track progress toward dream trips. How Amex Platinum Price Protection Works - WalletHub 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 All information about Business Green Rewards Card from American Express has been collected independently by NerdWallet. All Credit Intelcontent is written by freelance authors and commissioned and paid for by American Express. One-of-a-kind items, such as antiques and artwork, or limited-edition items. Create an account to follow your favorite communities and start taking part in conversations. Purchase protection will reimburse you for theft, loss or accidental damage to eligible items that occurred within 90 days of purchase. 11. ghedoicy. $10,000 per claim, $50,000 per year for the, Delta SkyMiles Reserve American Express Card. However, there are varying levels of protection. 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. Often, you will get a response to your initial claim inquiry within 48 hours. Cristina Gibson is a writer and journalist who has covered consumer goods, fashion, technology, and travel for more than 15 years. To view rates and fees of the American Express Gold Card, see this page. Aaron is an avid global traveler and miles and points enthusiast. 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. Would probably help your claim, Amex should be able to help you out. When deciding which travel rewards card to use for large purchases, its important to look beyond the points and miles you earn. Forbes Advisor created additional star ratings so that you can see the best card for specific needs. 995 0 obj
<>stream
Youll be asked for a copy of the receipt and your Amex purchase record. There are important terms to follow for this benefit, such as the length of time from the purchase date for which coverage is offered, how to submit claims and even the maximum coverage amount provided by your credit card. Here is a list of our partners. For example, The Platinum Card from American Express and other cards offer purchase protection, which can reimburse you if a covered item is stolen or damaged within a specified window of time . TPG values this bonus at $1,200. Purchase protection doesnt require any registration in advance. Please visit americanexpress.com/benefitsguide for more details. Reply FitYNABer Additional comment actions AMEX Purchase Protection is AWESOME! 10 points per dollar on Chase Dining, hotels and car rentals when you purchase through Chase Ultimate Rewards; 5 points per dollar on flights when you purchase through Chase Ultimate Rewards; 3 points per dollar on other travel and dining; 1 point per dollar on other purchases. 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. As with any insurance policy, the devil is always in the details. 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. 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. Our partners compensate us. The Centurion Card from American Express** and The Business Centurion Card from American Express. Not as useful for those living outside the U.S. 3 yr. ago. Our partners cannot pay us to guarantee favorable reviews of their products or services. 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. Delta SkyMiles Blue American Express Card. To view rates and fees of The Platinum Card from American Express, see this page. All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. Terms apply to the offers listed on this page. Once youve submitted the necessary supporting documents, American Express will send you an email confirmation stating your documents were received. You might be using an unsupported or outdated browser. Recently bought a Pacsafe bag that basically fell apart on the first trip out. Coverage Limits Apply. Plus, AmEx can change the coverage at any time. This information may be different than what you see when you visit a financial institution, service provider or specific products site. same thing happened to me, left a small bag under front seat. Earn 100,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 3 months. Blue Cash Preferred Card from American Express. Remember that only purchases made with your eligible American Express card and only the amount charged to your card are eligible for purchase protection. 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 The Amex EveryDay Preferred Credit Card from American Express has been collected independently by NerdWallet. Be ready to provide an itemized online receipt or original store receipt of the item as you will need it to receive claim consideration. Policies are underwritten by AMEX Assurance Company. Business Green Rewards Card from American Express. Check here before booking an award fare. Coverage under the Purchase Protection Program, which covers items broken, stolen, or lost (lost coverage on the Platinum and Centurion cards only) within 90 days of purchase, is up to $10,000 per occurrence on the Platinum card vs. $1,000 on the SPG card. About the author: Ben Luthi is a former credit card specialist for NerdWallet. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Related: Your complete guide to shopping protections on American Express cards. The Amex EveryDay Preferred Credit Card from American Express is no longer available through NerdWallet. Maximum coverage per account for purchase protection: $50,000 per card per calendar year. Big spenders should note that the purchase protection on. Can You Get a Credit Card Without a Social Security Number? * Eligibility and benefit levels vary by card. when you need coverage is essential. As stated, Notice of Claim should be provided to Amex within 30 days of the incident. 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. In addition to writing for Forbes.com, Aaron is a full-time professional advisor to Fortune 500 companies at a global consulting firm. AmEx Return Protection: What to Know - NerdWallet 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. For full Terms and Conditions, see www.americanexpress.com/PPterms. These online records helped me file my Amex claims quickly, rather than digging through a shoebox full of paper receipts. How Much Are Travel Points and Miles Worth in 2023? Terms, Conditions and Limitations Apply. Theres nothing easier than buying a gift card at the last minute. Purchase Protection is amazing (Plat) Had a great experience with Amex Purchase Protection on the Plat. The Ink Cash Card is a great choice if you buy high-value items that are eligible for purchase protection at office supply stores where youll earn 5% cash back until you hit your annual limit. 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. *Eligibility and Benefit level varies by Card. Its smart technology that helps us make sure its really you when shopping online. Underwritten by AMEX Assurance Company. American Express Purchase Protection: Everything You Need To Know Things To Do Before Canceling A Credit Card, Best Credit Cards For Travel Insurance Benefits, American Express Business Platinum Review, Delta SkyMiles Reserve Credit Card Review, Rotating quarterly categories earn 5% rewards when activated, up to a combined quarterly $1,500 maximum, Travel rewards rate rivals some of the best premium travel cards, Generous rewards rate in several other categories, Travel bookings must be made through Chase Ultimate Rewards to earn 5% cash back. Our points-obsessed staff uses a plethora of credit cards on a daily basis. Help protect your eligible Select the Card below to read the full terms and conditions for Return Protection related to that Card. 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. PDF Purchase Protection Plan Documents - American Express This information may be different than what you see when you visit a financial institution, service provider or specific products site. Failing that, I also can search my order history at Amazon, eBay and other online retailers I use. For most people, the purchase protection benefit offered by some credit cards flies under the radar. 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. Amex Platinum Lost Item Purchase Protection Question : r/amex - reddit Disclaimer: NerdWallet strives to keep its information accurate and up to date. Visit americanexpress.com/benefitsguide for details. This site does not include all credit card companies or all available credit card offers. Learn more: How to add money-saving AmEx . Please review. Maximum coverage per purchase protection claim: $10,000. Maximum coverage per account for purchase protection: $50,000. Finally, some American Express cards offer purchase protection even when you lose a recently-purchased item. 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. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Authorized users are also covered, as . Business fixtures including air conditioners, refrigerators and heaters. See the respective Guide to Benefits for details, as terms and exclusions apply. Purchase protection can save your skin and protect the items you've purchased if a recently-bought item is damaged or stolen. A copy of your primary insurance declaration page, if applicable. The card details on this page have not been reviewed or provided by the card issuer. 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. This coverage is complimentary on most AmEx cards including some debit, prepaid and reloadable AmEx cards. 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. Check the. ^ Eligibility and benefit levels vary by card. Also, note that some losses are excluded such as if you left the item in an unlocked car. Furthermore, there are only two American Express business cards that include purchase protection benefits* for lost items, which are also the Delta SkyMiles Reserve Business American Express Card and The Business Platinum Card from American Express. You want a travel credit card that prioritizes whats important to you. However, if your item is just lost or missing, you wont need a police report. You must file a claim within 90 days of your original purchase through this link or by calling 800-228-6855. 971 0 obj
<>/Encrypt 962 0 R/Filter/FlateDecode/ID[]/Index[961 35]/Info 960 0 R/Length 65/Prev 833811/Root 963 0 R/Size 996/Type/XRef/W[1 2 1]>>stream
Dozens of cards offer this benefit. Claims usually require original receipts and the credit card statement related to the purchase. Delta SkyMiles Platinum Business American Express Card: $15 back per month on U.S . endstream
endobj
startxref
Press question mark to learn the rest of the keyboard shortcuts. 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. You can do so online or by calling Amex at 1-800-322-1277. The Centurion Card from American Express and The Business Centurion Card from American Express. Any other documentation needed to substantiate your claim. 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.^. 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. For claims filed internationally, you can dial 1-303-273-6498. We'd love to hear from you, please enter your comments. Coverage is limited to the amount charged to your card, up to $10,000 per item and $50,000 per card each calendar year.^. 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. 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. Disclaimer: NerdWallet strives to keep its information accurate and up to date. Terms apply. Our opinions are our own. American Express removed this perk from most of its cards effective at the start of 2020. 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. $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. Negotiable instruments, such as stamps and travelers' checks. Posts: 13,805. Some may have trouble using Uber/food credits. Coverage on the SPG card remains at $1,250 for carry-on baggage and $500 for checked baggage. Terms apply. Delta SkyMiles Reserve American Express Card. The Points Guy, Forbes Advisor, AwardWallet, LendingTree. 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. Purchase Protection Protect your shopping Enjoy stress-free shopping when you use your American Express Card, with 90-day Purchase Protection. If filing a damaged or stolen item claim, you may be asked to demonstrate a photograph showing the damage to your item. The claim should be provided within thirty (30) days of the loss or as soon as reasonably possible. Covered Eligible Purchases are items bought with your Eligible Card and are covered for the first 90 days after the day of purchase. 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. 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. Here are our picks for the. Related: Why I switched from the Chase Freedom to the Chase Freedom Flex. ^Eligibility and benefit levels vary by card. Shopping online for a car is an accelerating trend changing the purchase process from start to finish. However, this card doesnt offer extended warranty or return protection. You can also mail them at: Purchase Protection Claims Unit, PO Box 981553 El Paso TX 79998- 9920. Lost/stolen iPad- will purchase protection cover it? Earn 4X Membership Rewards Points at Restaurants, plus takeout and delivery in the U.S. Worry less. hbbd``b`@/P k
";d100O@ T9 3
In addition to stolen and damaged items, AmEx purchase protection also covers items lost within the coverage period. We'll run a soft credit check to find special offers, but it wont affect your credit score. Related: Your guide to the Chase Ink Business credit cards. Something went wrong. How to Freeze an American Express Platinum Card - WalletHub Blue Cash Everyday Card from American Express. Provided you purchased them less than 90 days ago you should be covered. Shopping Protection | Purchase Protection Plan | Amex CA Shop more. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. endstream
endobj
962 0 obj
<>>>/Filter/Standard/Length 128/O(-ZK*Kme P1Fi dX)/P -1340/R 4/StmF/StdCF/StrF/StdCF/U(U-q U )/V 4>>
endobj
963 0 obj
<>/Metadata 89 0 R/OCProperties<>/OCGs[973 0 R]>>/Outlines 294 0 R/PageLayout/OneColumn/Pages 957 0 R/StructTreeRoot 349 0 R/Type/Catalog>>
endobj
964 0 obj
<>/Font<>/ProcSet[/PDF/Text]>>/Rotate 0/StructParents 0/Tabs/S/Type/Page>>
endobj
965 0 obj
<>stream
Do balance transfers affect your credit score? Here is a list of our partners. The annual maximum is also pretty generous at $50,000 per year for most cards. Amex will reimburse you up to a maximum of $1,000 per card member account per calendar year based on the date of purchase. Please read important exclusions and restrictions. When evaluating offers, please review the financial institutions Terms and Conditions. Finally, its not that hard to snap a photo of a receipt and retain it in your smartphones cloud storage archive for many years. 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. This guide will describe the basics of credit card purchase protection and detail the credit cards that offer the best coverage. All policies have a maximum limit of $50,000 in claims per calendar year. 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!