The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. 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. This coverage is complimentary on most AmEx cards including some debit, prepaid and reloadable AmEx cards. 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. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. Flexibility, point transfers and a large bonus: Bank of America Travel Rewards credit card. Several credit cards offer purchase protection, which acts as insurance against an item being stolen or damaged for a certain period of time after you buy it. All financial products, shopping products and services are presented without warranty. To view rates and fees of the Delta SkyMiles Reserve American Express Card, see this page. Purchase protection offers short-term insurance for your everyday purchases, in case the items are stolen or damaged. Press J to jump to the feed. This card shines for this use, but overall the star ratings may differ when compared to other cards. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Just make sure to file a notice of claim within 30 days of the loss. %PDF-1.6 % By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. If you claim an item was stolen you will need a police report. Policies are underwritten by AMEX Assurance Company. To be eligible, all you have to do is charge a portion of your qualifying purchase to your American Express card but youll only be reimbursed up to the amount charged to your card. This card might not be the right fit if you're looking for price protection or earning more than 1 point per dollar spent on most purchases that are eligible for purchase protection. %%EOF Meanwhile, here's the list of small business cards from AmEx with this benefit: The Business Platinum Card from American Express. 11. ghedoicy. Would probably help your claim, Amex should be able to help you out. The Amex EveryDay Preferred Credit Card from American Express. Other business cards only offer coverage for damaged or stolen items on purchase protection claims. So you finally splurged for an Apple Watch and broke it a week later. From broken laptops and phones to delivered packages nabbed from the front porch, when you make a Covered Eligible Purchase with your Eligible, 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. 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. Many other issuers offer some form of damage against loss or theft for eligible items purchased with the card. Reddit and its partners use cookies and similar technologies to provide you with a better experience. How to file a purchase protection claim with Amex. I want to file a purchase protect claim with Amex, but everything I see says the 90 days runs from the date of purchase, not the date of delivery. 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. 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. 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. Terms and conditions will apply. Amex will reimburse you up to a maximum of $1,000 per card member account per calendar year based on the date of purchase. The Capital One Venture X Rewards Credit Card is an excellent everyday spending card. To start the process, log into your AmEx account and, Like insurance, purchase protection is one of those things that you hope you never have to use. However, the damage coverage comes with several exclusions, so you may want to see if your card also offers extended warranty coverage. If an eligible item is lost, accidentally broken, or stolen within 90 days of the purchase date, Amex may reimburse its value. The card details on this page have not been reviewed or provided by the card issuer. 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. 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. Please read important exclusions and restrictions. Some of the more popular Amex cards offering extended warranty coverage include The Platinum Card from American Express and other consumer versions of the Platinum card, The Business Platinum Card from American Express, American Express Gold Card, American Express Green Card, American Express Business Gold Card, Delta credit cards, Hilton credit cards, Marriott credit cards and The Blue Business Plus Credit Card from American Express. 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. There are a multitude of purchases that are excluded from purchase protection. Click "file a claim" and select the card for which you're filing a claim, enter your date of purchase and click "continue.". Personal cards with purchase protections from AmEx include: The Platinum Card from American Express. Several credit cards may even provide protection if you lose a recently-purchased item. There's a lot to love about the Amex Gold card. Terms apply to the offers listed on this page. Note that purchase protection is different from price protection and extended warranty coverage, other credit card benefits you might be eligible for. Terms apply. 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. If submitting a claim by phone, you will be asked certain questions about your claim. Consumable or perishable items like food and batteries. JT Genter is a freelance points, miles and credit card writer formerly of The Points Guy. 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% on travel purchased through Chase Ultimate Rewards, 3% on dining and drugstores and 1% on all other purchases. *Benefits may vary by issuer. Offer ends 3/29/23. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. The other card networks often offer their own purchase protections as part of their network affiliation. 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. While extended warranty coverage offers more comprehensive damage protection, purchase protection gives you more protection in case of theft. 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. War, acts of war or service in the military. The claim was quickly accepted, and I was issued a statement credit for my purchase. Underwritten by AMEX Assurance Company.. Coverage is limited to the amount charged to your card, up to $10,000 per item and $50,000 per card each calendar year.^. *Eligibility and Benefit level varies by Card. Your complete guide to shopping protections on American Express cards, Delta SkyMiles Reserve American Express Card, Delta SkyMiles Reserve Business American Express Card, Marriott Bonvoy Brilliant American Express Card, Hilton Honors Aspire Card from American Express, The Business Platinum Card from American Express, Hilton Honors American Express Aspire Card, Blue Cash Preferred Card from American Express, The Blue Business Plus Credit Card from American Express, Best credit cards for extended warranties, The best credit cards with price protection, Do Not Sell or Share My Personal Information. Maximum coverage per purchase protection claim: $10,000 per item ($500 per event related to a natural disaster). Best Balance Transfer & 0% APR Credit Cards, NerdWallets Best Credit Card Tips for March 2023, Get more smart money moves straight to your inbox. Not all purchase protection benefits are created equal. 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. Keep track of all the required documentation, such as the original store receipt or a printout of an online receipt. 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. Select the Card below to read the full terms and conditions for Return Protection related to that Card. Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. 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. Notably, American Express prepaid debit cards do not come with this benefit. Official application link: Blue Cash Everyday Card from American Express. These cards, each chosen with a particular type of consumer or purchase in mind, are discussed below. Its easy to write off these policies as being too much of a hassle or, conversely, being too good to be true. 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.
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