The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Services and additional costs, such as installation charges, warranties, shipping, handling and memberships. Cellphone protection is available for up to $800 per claim and up to $1,000 per year for phones listed on a monthly cellphone billed paid with the Freedom Flex card. Amex EveryDay Credit Card is no longer available through NerdWallet. Plus, AmEx can change the coverage at any time. Instead, check the benefits guide to see the card's purchase protection coverage. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Official application link: American Express Gold Card. Pre-qualified offers are not binding. Purchase Protection can help protect Covered Purchases made with your Eligible Card against accidental damage, theft and sometimes provide lost coverage for certain Eligible Card products for up to 90 days from the Covered Purchase date. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. Underwritten by AMEX Assurance Company. If submitting a claim by phone, you will be asked certain questions about your claim. If filing a damaged or stolen item claim, you may be asked to demonstrate a photograph showing the damage to your item. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Earning rates: 3% cash back at U.S. supermarkets, U.S. gas stations and U.S. online retail purchases on up to $6,000 per calendar year in purchases for each category (then 1%) and 1% cash back on other purchases. Gold or Rose Gold. Terms apply. PDF Purchase Protection Plan Documents - American Express Here is a list of our partners. Policies are underwritten by AMEX Assurance Company. American Express purchase protection works by covering the damage or theft of eligible purchases for up to 90 days after the purchase date. All financial products, shopping products and services are presented without warranty. 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. 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. Compare the cost in points or miles to cash, and see which option is best. Paired with up to $120 in Uber Cash (for U.S. Uber rides or Uber Eats orders) and up to $120 in annual dining statement credits at eligible partners, there's no reason that the foodie shouldn't add this card to their wallet. , 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. Purchase Protectioncan help protect Covered Purchases made with your Eligible Card against accidental damage, theft and sometimes provide lost coverage for certain Eligible Card products for up to 90 days from the Covered Purchase date. NerdWallet strives to keep its information accurate and up to date. Read more. 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! 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. Purchase Protection is amazing (Plat) Had a great experience with Amex Purchase Protection on the Plat. Lost/stolen iPad- will purchase protection cover it? 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 Each category has certain conditions attached to it. When evaluating offers, please review the financial institutions Terms and Conditions. In the event of theft, you must also include a copy of a police report. When you purchase an item with a manufacturer's warranty, this benefit can add an extra year to the warranty. 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. Please read important exclusions and restrictions. **, Morgan Stanley Blue Cash Preferred American Express Card.**. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. The card has an annual fee of $0, yet comes with a pumped-up earnings structure that covers a wide swath of expenses including travel, drugstores and dining plus rotating quarterly bonus categories in areas many households are likely to find appealing. Keep in mind that not all purchases or items are covered . NerdWallet strives to keep its information accurate and up to date. 0% intro APR for 15 months from account opening on purchases and balance transfers. To view rates and fees of the Delta SkyMiles Reserve American Express Card, see this page. Consumable or perishable items like food and batteries. If filing online, you will be prompted to submit required documents to support your claim. In addition to writing for Forbes.com, Aaron is a full-time professional advisor to Fortune 500 companies at a global consulting firm. Programs: UA 1K 0.9MM, Marriott Gold, HHonors Gold, Hertz PC, SBux Gold, TSA Pre . Consumable or perishable items such as perfume, light bulbs and batteries. Notably, American Express prepaid debit cards do not come with this benefit. I confess that I dont save a copy of the register receipt from every purchase I make Im just not that organized. * These cards include: The Platinum Card from American Express. Coverage is limited to the amount charged to your card, up to $10,000 per item and $50,000 per card each calendar year.^. Do not sell or share my personal information. If you have questions, please consult your own professional legal, tax and financial advisors. this adds to already-existing purchase protection and extended warranty . He published over 2,000 articles on The Points Guy before becoming a freelance writer. Good news: AMEX includes Purchase Protection as a benefit on all of its cards shown here. Please view our advertising policy page for more information. Visit americanexpress.com/benefitsguide for details. An itemized receipt from the retailer showing the purchase. However, this card is so packed with benefits that this coverage doesn't make the card's highlights on the AmEx website. A Step-by-Step Guide to Filing a Return Protection Claim With Amex Thankfully, its really easy to search my email inbox to find receipts for everything Ive bought online. Related: The best credit cards with price protection. 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. Items purchased for resale, professional or commercial use. Maximum coverage per purchase protection claim: $10,000. However, this card is so packed with benefits that this coverage doesn't make the card's highlights on the AmEx website. Pre-qualified offers are not binding. Delta SkyMiles Blue American Express Card. Related: Your complete guide to shopping protections on American Express cards. We believe everyone should be able to make financial decisions with confidence. 2023 American Express. To start the process, log into your AmEx account and go to the claims center page. Choose the color that suits your style. 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. Related: Best credit cards with purchase protection. But can you use your credit card to do so? The Capital One Venture X Rewards Credit Card is an excellent everyday spending card. War, acts of war or service in the military. Amex Platinum Lost Item Purchase Protection Question : r/amex - reddit Maximum coverage per purchase protection claim: $500. TPGs March 2023 monthly valuations, Cruise giant Carnival goes Texas-size big with new sailings from Galveston. To view rates and fees of the American Express Gold Card, see this page. So, you can't claim purchase protection if your baseball bat or hockey stick breaks. Forbes Advisor created additional star ratings so that you can see the best card for specific needs. The following items are excluded from this policy: See the entire return protection policy for your card here. JT Genter is a freelance points, miles and credit card writer formerly of The Points Guy. You can view the full extended warranty policy for each card. All information about Hilton Honors American Express Aspire Card has been collected independently by NerdWallet. Health care items and/or medical equipment. Terms apply. Other categories excluded are animals, living plants, rare stamps, coins, negotiable instruments such as travelers checks, objects rented, leased or borrowed, anything purchased for resale or commercial use, permanent household items such as carpet, flooring, air conditioners and refrigerators, as well as medical or dental equipment or devices. has been a Senior Points and Miles Contributor for TPG since 2012. 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.*. AmEx purchase protection excludes a long list of types of purchases, including: Antiques, artwork and previously used items. 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. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Items damaged by natural disasters are subject to different terms and limits notated in each cards terms and conditions. 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. 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. Earn 3X Membership Rewards points on flights booked directly with airlines or on amextravel.com. Buts its still "status open" now and have no update. However, this does not influence our evaluations. Explore our Cards Terms and Conditions Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. This should be covered under lost item assuming you have the receipt etc. diamondsaremadeunder 3 yr. ago. Authorized users are also covered, as . Some may have trouble using Uber/food credits. American Express is the industry leader amongst credit card issuers offering purchase protection to its customers due to its generous terms and simple claim process. 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.^. 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. How an often-overlooked credit card benefit put $1,400 back in my wallet, Blue Cash Everyday Card from American Express, monthly spending credits with restaurants, Everything you need to know about Amex purchase protection, Blue Cash Everyday Card from American Express, Amex credit card showdown: Blue Cash Preferred vs. Blue Cash Everyday, an eligible card that earns Chase Ultimate Rewards points, Why I switched from the Chase Freedom to the Chase Freedom Flex.