All rights reserved, How American Express Purchase Protection Works, Purchase Protection can cover the cost of lifes uh-oh moments, so you can be more confident when buying with your Eligible Card. endobj
$189 CLEAR Credit: Breeze through security with CLEAR Plus at 45+ airports nationwide and get up to $189 back per year on your membership (subject to auto-renewal) when you use your Card. Plus, AmEx can change the coverage at any time. As with any insurance policy, the devil is always in the details. Terms apply. Commissions do not affect our editors' opinions or evaluations. This benefit applies if you made the purchase, or at least a portion of it, with your American Express card or American Express points. are covered by AmEx's purchase protection coverage. Editorial Note: We earn a commission from partner links on Forbes Advisor. 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.
Credit Card Purchase Protection | American Express UK 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. American Express processes claims more quickly than some other issuers. Learn more: The best credit cards for travel insurance benefits. To start the process, log into your AmEx account and go to the claims center page. Terms, conditions and limitations apply. So, you can't claim purchase protection if your baseball bat or hockey stick breaks. By taking advantage of the valuable shopping protection policies offered by most American Express cards, you can save hundreds (or even thousands) of dollars when a purchase doesnt work out the way you hoped. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. %PDF-1.5
AMERICAN EXPRESS AMEX ASSURANCE COMPANY PO BOX 981553 EL PASO TX 79998-9920 Purchase Protection Claim Form Claim Number: SECTION 1: CARD MEMBER INFORMATION: American Express Card Account Number used to purchase the item: Card Member's Name: State: Phone Number: Email: SECTION 2: PURCHASE INFORMATION: Address: City:Zip: Editors note: This is a recurring post, regularly updated with new information. Check your benefits guide for complete details. <>>>
American Express purchase protection works by covering the damage or theft of eligible purchases for up to 90 days after the purchase date. OP}[}Ko? Enrollment required. For . This depends on the circumstances of the loss. ^Eligibility and benefit levels vary by card. Dozens of AmEx cards offer purchase protection benefits. Juan's passion is helping readers navigate through the complex world of frequent flier miles, credit card rewards points and award travel. But with premium Amex cards, the limit is up to $10,000 per claim with the same $50,000 annual limit. Items purchased for professional or commercial use such as education, training or skills. 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. The best credit cards for travel insurance benefits. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. For return protection, you have to file a claim within 90 days of your original purchase. to see if your incident is covered. Dozens of cards offer this benefit. How Much Are Travel Points and Miles Worth in 2023?
American Express Return Protection | The Motley Fool American Express consumer cards all offer purchase protections for eligible purchases for 90 days from the date of purchase to file a claim. Log in to the American Express Claims Center at americanexpress.com/onlineclaim 2. How do I file a purchase protection claim? Coverage applies for 90 days after purchasing the item. Delta SkyMiles Platinum Business American Express Card. 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. How do I Earn Membership Rewards Points? stream
has been collected independently by NerdWallet . Here is a list of our partners. You can also file a purchase protection claim over the phone by calling 1-800-228-6855. To file a claim with Amex purchase protection, you can do so online or by calling 800-228-6855. 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. You need to try to return the item to the original retailer within 90 days of the purchase date, and you need to contact Amex within 90 days of the purchase date to initiate the claim. Terms apply. You can also mail them at: Purchase Protection Claims Unit, PO Box 981553 El Paso TX 79998- 9920. Many of the best credit cards have purchase protection. 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. Finally, be diligent, complete and timely when you file your claims.
Gold Delta SkyMiles Business Credit Card Purchase Protection Explained Authorized users are also covered, as long as theyre U.S. residents. has been collected independently by NerdWallet. 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 . Flexibility, point transfers and a large bonus: Bank of America Travel Rewards credit card. 2023 American Express. <>
Additional Information. Had no problems at all wrt the period. 5 Stars. Beyond glamorous perks like airport lounge access and annual statement credits, American Express cards offer several valuable benefits that can protect your purchases. This site does not include all credit card companies or all available credit card offers. Underwritten by AMEX Assurance Company. Please review. _qUEy 3Q-VH'W]\3v5w,E13U "uelw[>O||'Wc1x,>V2X"Dd'PJ~f'2. 1 0 obj
If you don't receive claim forms within 15 days, you can provide a letter describing the circumstances of your claim. Best Mortgage Lenders for First-Time Homebuyers. as well as other partner offers and accept our, 4.4 out of Most products bought with your American Express card are covered by Amex purchase protection. 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. 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. Eligibility and Benefit level varies by Card. I was not asked to return the items in question in either case. Does the Gold card have purchase protection? Terms, Conditions and Limitations Apply. Delta SkyMiles Reserve American Express Card. If the American Express card member left an item in an unlocked car and it was stolen, purchase protection wouldn't help with that. 4 0 obj
You can view the full extended warranty policy for each card. All policies have a maximum limit of $50,000 in claims per calendar year. Coverage limits apply. $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. All financial products, shopping products and services are presented without warranty. The first claim was for a childs bicycle seat that was supposed to mount on my bikes handlebars. Marriott Bonvoy Brilliant American Express Card. 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. 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. Many or all of the products here are from our partners that compensate us. However, this card is so packed with benefits that this coverage doesn't make the card's highlights on the AmEx website. . Our partners cannot pay us to guarantee favorable reviews of their products or services. Products covered by an unconditional satisfaction guarantee. Our opinions are our own. Underwritten by AMEX Assurance Company. Not a Cardmember yet? Find the right card for you. Amex cards that offer purchase protection. If not, please enter the text below. This card shines for this use, but overall the star ratings may differ when compared to other cards. To get started, you'll just need your receipt from the merchant and your American Express card statement. However, Ive filed two claims with Amex in the past; in both cases, I was pleasantly surprised at how quick and easy the process was. 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.*.
How does Amex Platinum purchase protection work? Credit Card Extended Warranty and Terms | American Express It takes just a few minutes to file a claim, and most claims can be handled entirely online without having to pick up the phone. No annual fee You wont have to pay an annual fee for all the great features that come with your Freedom Unlimited card. All information about Business Green Rewards Card from American Express has been collected independently by NerdWallet. Check here before booking an award fare. 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. Although this is an oft-overlooked benefit, purchase protection can provide exceptional value. Blue Cash Everyday Card from American Express. 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.
PDF Purchase Protection Claim Form ClaimNumber: SECTION - American Express The card comes with coverage of up to $10,000 per claim and $50,000 per account. He published over 2,000 articles on The Points Guy before becoming a freelance writer. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. To be eligible for purchase protection, you must use an American Express card equipped with this benefit and charge at least a portion of your qualifying purchase to that card. It also includes their coverage maximums per purchase and calendar year. Items that are rented, leased or borrowed. In contrast, more than a dozen personal American Express cards include loss as a qualified purchase protection reason in their benefits. There is a list of exclusions, which mostly consists of things you wouldn't expect a store to take back like perishables, consumables, media (books, CDs, software), healthcare items, seasonal goods, and gift cards. To file an American Express return protection claim . Terms apply. United States. Cristina Gibson is a writer and journalist who has covered consumer goods, fashion, technology, and travel for more than 15 years. In other words, if your item gets damaged when being shipped by FedEx, UPS or similar, it may not be covered under Amexs Purchase Protection (it may however be eligible for some reimbursement by filing a claim through the third-party carrier). American Express purchase protection works by covering the damage or theft of eligible purchases for up to 90 days after the purchase date. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. JT Genter is a freelance points, miles and credit card writer formerly of The Points Guy. We believe everyone should be able to make financial decisions with confidence. Claims can be made online or by giving American Express a call at 1-800-322-1277. In these cases, Amex will refund the entire purchase price up to $300 per item, excluding shipping and handling charges. 1 Terms, conditions and exclusions apply. Shop more. Terms, Conditions and Limitations Apply. Related: The best credit cards with price protection. Here are our picks for the. These online records helped me file my Amex claims quickly, rather than digging through a shoebox full of paper receipts. Related: Your complete guide to shopping protections on American Express cards. I confess that I dont save a copy of the register receipt from every purchase I make Im just not that organized. If successful, you will get a follow-up email letting you know the details of the outcome and instructions on how to replace, repair or get reimbursement for the lost or damaged item. This post contains references to products from one or more of our advertisers. endobj
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. Items damaged by natural disasters are subject to different terms and limits notated in each cards terms and conditions. American Express is an advertising partner of The Ascent, a Motley Fool company. Here, you'll need to provide a copy of the purchase receipt and proof of loss. 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. 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'. The Centurion Card from American Express and The Business Centurion Card from American Express. You want a travel credit card that prioritizes whats important to you. By Cristina Gibson | American ExpressCredit IntelFreelance Contributor. This coverage is complimentary on most AmEx cards including some debit, prepaid and reloadable AmEx cards. Items not being safeguarded or left at an unlocked location. Instead, check the benefits guide to see the card's purchase protection coverage. Extended Warranty benefits extend your manufacturers warranty coverage, often by as much as a year. Terms apply. Return protection is a super valuable benefit, and luckily it's available on virtually all American Express cards. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Hi everyone, I started a purchase protection claim for exercise equipment that was stolen from my 2nd home. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The coverage maximum with most American Express cards is $1,000 per claim. Delta SkyMiles Reserve Business American Express Card. He covers credit cards, loyalty programs and family travel. For a full list of what's not covered by American Express purchase protection, review your Amex card's guide to benefits. There is a maximum coverage amount of $10,000 per item and $50,000 per calendar year.*. **, Morgan Stanley Blue Cash Preferred American Express Card.**. Consumable or perishable items like food and batteries. The Amex EveryDay Preferred Credit Card from American Express is no longer available through NerdWallet. And extended warranty protection offers one full year of coverage at $10,000 per item and up to $50,000 per calendar year. Coverage Limits Apply. Read more. 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. I don't have much time to deal with this but I've never filed a claim before. Often, you will get a response to your initial claim inquiry within 48 hours.