One-of-a-kind items, such as antiques and artwork, or limited-edition items. You will be asked certain questions about your claim at that time. To be eligible, all you have to do is charge a portion of your qualifying purchase to your American Express card but you'll only be reimbursed up to the amount charged to your card. Here's a look at how purchase protection programs work. There are limitations to this policy, so be sure to read your card's benefits guide for a full explanation of what's excluded under purchase security. Just answer a few questions and we'll narrow the search for you. Several credit cards may even provide protection if you lose a recently-purchased item. So you finally splurged for an Apple Watch and broke it a week later. Earning rates: 4 points per dollar spent at restaurants and on the first $25,000 spent at U.S. supermarkets each calendar year (then 1 per dollar); 3 points per dollar spent on flights booked directly with airlines or on Amex Travel; 1 point per dollar spent on other purchases. As with any insurance or coverage product, AmEx purchase protection comes with limitations and exclusions. In the case of a damage claim, you may need to send in the broken item. Delta SkyMiles Reserve Business American Express Card. This site does not include all credit card companies or all available credit card offers. 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. 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. Maximum coverage per purchase protection claim: $10,000. Related: Who should (and shouldnt) get the Capital One Venture X 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. Here, you'll need to provide a copy of the purchase receipt and proof of loss. You must file a claim within 30 days of loss through this link or by calling 800-228-6855. Related: Why I switched from the Chase Freedom to the Chase Freedom Flex. 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 Express Card. has been a Senior Points and Miles Contributor for TPG since 2012. Improve earnings, maximize rewards and track progress toward dream trips. *Excess of 50 applies. Terms apply. Personal cards with purchase protections from AmEx include: The Platinum Card from American Express. Shop safe withSafeKey. The first claim was for a childs bicycle seat that was supposed to mount on my bikes handlebars. Health care items and/or medical equipment. However, this card doesnt offer extended warranty or return protection. Like insurance, purchase protection is one of those things that you hope you never have to use. Once youve submitted the necessary supporting documents, American Express will send you an email confirmation stating your documents were received. Can I file an AmEx purchase protection claim if I redeemed points? |F\ba9F ~Zh1m$5(9=H$3wxMd/L}hLXI=eO*"Z:#x&OpDZH~}7~H{h9uqGM_)J'p3TFE3H8Z;t The information for the Amex Green Card has been collected independently by The Points Guy. 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). Claim processing and payment is usually complete within 30 days. When evaluating offers, please review the financial institutions Terms and Conditions. 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. Delta SkyMiles Platinum Business American Express Card: $15 back per month on U.S . This information may be different than what you see when you visit a financial institution, service provider or specific products site. 5% cash back on up to $1,500 in combined purchases in rotating bonus categories each quarter (requires activation) and on travel booked through the. This site does not include all credit card companies or all available credit card offers. only covers up to $10,000 per covered purchase. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105, The Guide to AmEx Purchase Protection on Travel Cards. Note that card coverage is sometimes secondary to any homeowners insurance and auto insurance policies, so you may need to prove that youve already submitted claims with other insurance providers. This post contains references to products from one or more of our advertisers. Maximum coverage per purchase protection claim: $1,000 per item ($500 per event if related to a natural disaster). Check your benefits guide for complete details. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. The annual maximum is also pretty generous at $50,000 per year for most cards. If filing online, you will be prompted to submit required documents to support your claim. Here is a list of our partners and here's how we make money. So, checking. The card details on this page have not been reviewed or provided by the card issuer. Call the number on the back of your card for help if you cant find the guide to benefits. , AmEx purchase protection only covers a maximum of $500 in claims per event. You must file a claim within 30 days of your covered loss and you can do so online or by calling 800-228-6855. 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. So how do we make money? If you'd like to. Do not sell or share my personal information. Official application link: Chase Freedom Flex. Its easy to write off these policies as being too much of a hassle or, conversely, being too good to be true. has been collected independently by NerdWallet. The Platinum Card, Gold Card, Delta SkyMiles Reserve Card, Hilton Aspire Card, and Marriott Bonvoy Brilliant Card are just a few examples. Check here before booking an award fare. Claims can be made online or by giving American Express a call at 1-800-322-1277. Terms, Conditions and Limitations Apply. This card shines for this use, but overall the star ratings may differ when compared to other cards. It appears that JavaScript is either disabled or not supported by your web browser. And you'll usually be required to file a police report if you are claiming it as stolen. This benefit acts as a kind of insurance against theft or damage for a period of time after you buy something. To start the process, log into your AmEx account and go to the claims center page. Many other issuers offer some form of damage against loss or theft for eligible items purchased with the card. The Amex EveryDay Preferred Credit Card from American Express is no longer available through NerdWallet. 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. Business Green Rewards Card from American Express. Terms apply. Amex members get a variety of benefits including exclusive rewards and discounts, 24/7 customer service, travel benefits such as trip protection and car rental savings, and access to extraordinary events. Thankfully, its really easy to search my email inbox to find receipts for everything Ive bought online. More information can be found, American Express makes it easy you can file your claim. When evaluating offers, please review the financial institutions Terms and Conditions. Items voluntarily or involuntarily discarded. Our partners cannot pay us to guarantee favorable reviews of their products or services. Delta SkyMiles Reserve American Express Card. Items purchased for professional or commercial use such as education, training or skills. Purchase protection will reimburse you for theft, loss or accidental damage to eligible items that occurred within 90 days of purchase. And Visa offers Purchase Security to Visa Infinite cardmembers. 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. If there is a chance that an item might get broken or stolen, make sure that it is charged to your eligible American Express card. Amex will reimburse you up to a maximum of $1,000 per card member account per calendar year based on the date of purchase. 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. Youll be asked for a copy of the receipt and your Amex purchase record. Does AmEx purchase protection cover lost items? In these cases, Amex will refund the entire purchase price up to $300 per item, excluding shipping and handling charges. Maximum coverage per purchase protection claim: $10,000 per item ($500 per event related to a natural disaster). All rights reserved, 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 Express Card. has been collected independently by NerdWallet . Just make sure to file a notice of claim within 30 days of the loss. Not a Cardmember yet? 5% cash back at office supply stores and internet, cable and phone services (on up to $25,000 of purchases per year, then 1%); 2% back at gas stations and restaurants (on up to $25,000 per year in purchases, then 1%); 1% back on all other purchases. Cristina Gibson is a writer and journalist who has covered consumer goods, fashion, technology, and travel for more than 15 years. Fortunately, in many places, you dont need to go down to the local police precinct as many cities have an online portal to submit reports for incidents like theft, lost property or damage to property. Sometimes called damage protection, purchase protection ensures goods against theft or accidental damage for a limited time. If you have questions, please consult your own professional legal, tax and financial advisors. Other shopping protections: Extended warranty protection adds an additional year to eligible manufacturers warranties of three years or less while return protection covers returns within 90 days of purchase. The Capital One Venture X Rewards Credit Card is an excellent everyday spending card. You must file a claim within 90 days of your original purchase through this link or by calling 800-228-6855. Most Cards allow up to $1,000 per incident, with a limit of $50,000 per year. 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. Authorized users are also covered, as long as theyre U.S. residents. Purchases must be made in the U.S. or its territories1. We'll run a soft credit check to find special offers, but it wont affect your credit score. * These cards include: The Platinum Card from American Express. These cards, each chosen with a particular type of consumer or purchase in mind, are discussed below. If You have any questions about a specific item, please call us at 1-800-228-6855, if international, collect at 1-303-273-6498. Press question mark to learn the rest of the keyboard shortcuts. How do I Earn Membership Rewards Points? The claim was quickly accepted, and I was issued a statement credit for my purchase. Benefits are providedfor Replacement Cost up to the lesser of the Eligible Payment or the per item and calendar year maximums as described below. Our partners cannot pay us to guarantee favorable reviews of their products or services. Editors note: This is a recurring post, regularly updated with new information. 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.