American Express makes it easy you can file your claim online or by giving us a call at 1-800-322-1277; if international, call collect at 1-303-273-6498. 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. Purchase protection doesnt require any registration in advance. Its smart technology that helps us make sure its really you when shopping online. 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. From broken laptops and phones to delivered packages nabbed from the front porch, when you make a Covered Eligible Purchase with your Eligible American Express Card, you can rest easy knowing that you may be protected up to $1,000 per incident (for some Cards you may be protected up to $10,000 per incident) when the unexpected strikes. In the case of a damage claim, you may need to send in the broken item. Earning rates: 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and on travel booked through the Ultimate Rewards portal; 3% cash back on dining and drugstores; 1% cash back on all other purchases. 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. Youll be asked for a copy of the receipt and your Amex purchase record. You may need to submit a police report for stolen items and a repair estimate or photos for damaged items during the claim process. For return protection, you have to file a claim within 90 days of your original purchase.. Finally, its not that hard to snap a photo of a receipt and retain it in your smartphones cloud storage archive for many years. Let's look at how Amex purchase protection works, which AmEx cards feature it and the limitations and exclusions of this coverage. Pre-qualified offers are not binding. 3 points per dollar on travel, shipping, internet services, cable services, phone services and advertising with social media sites/search engines (on the first $150,000 in combined purchases each account anniversary year, then 1 point per dollar); 1 point per dollar on other purchases. 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. 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. Finally, some American Express cards offer purchase protection even when you lose a recently-purchased item. * These cards include: Related: The 5 Amex cards were keeping in our wallets and why. *Excess of 50 applies. Check here before booking an award fare. War, acts of war or service in the military. Other shopping protections: Extended warranty protection offers an additional year on eligible warranties of three years or less. Official application link: Ink Business Cash Credit Card. Quote: Originally Posted by JeffD. Performance information may have changed since the time of publication. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. its said 10 business but its already past. You must file a claim within 30 days of loss through this link or by calling 800-228-6855. Please visit americanexpress.com/benefitsguide for more details. Before making a significant purchase, know the benefits of each card you could use for the purchase. Personal hygiene items or any devices (medical or nonmedical) that have been personally used and could be considered a health risk to others. Please read important exclusions and restrictions. Please view our advertising policy page for more information. The first claim was for a childs bicycle seat that was supposed to mount on my bikes handlebars. shopping purchases when you use your Eligible Card. Terms, Conditions and Limitations Apply. 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. Plus, this card doesnt exclude lost or misplaced items and is great for foodies, due to its bonus-earning categories and monthly spending credits with restaurants and Uber/Uber Eats. American Express Purchase Protection - FlyerTalk Forums 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. Most Cards allow up to $1,000 per incident, with a limit of $50,000 per year. How American Express Purchase Protection Works Purchase Protection often covers loss, damage and theft for a short period of time, usually a few months, after purchase. Each category has certain conditions attached to it. Products covered by an unconditional satisfaction guarantee. PDF Return Protection - American Express For most people, the purchase protection benefit offered by some credit cards flies under the radar. You would only be reimbursed up to the amount charged on the card. For full Terms and Conditions, see www.americanexpress.com/PPterms. Have you considered how much it will cost to use credit card while traveling abroad? 5 points per dollar on flights booked directly with airlines or Amex Travel (up to $500,000 on these purchases per calendar year, then 1 point per dollar); 5 points per dollar on prepaid hotels booked through Amex Travel; 1 point per dollar on other purchases. This information may be different than what you see when you visit a financial institution, service provider or specific products site. For example, AmEx won't approve a claim for damage to an item "purchased for play." Credit Card Purchase Protection | American Express UK All American Express cards with extended warranty benefits provide the same amount of coverage. Each eligible AmEx card is covered for up to $50,000 in claims per year. My next chance to use these benefits came when a computer part failed about a year and a half after purchase and had a warranty of just one year. Purchase Protection Coverage Period as described below. Some may have trouble using Uber/food credits. We may receive compensation when you click on links to those products. Terms apply. The Hilton Honors American Express Business Card. 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. Nonetheless, this useful benefit can save you hundreds (maybe thousands) if you have the misfortune of theft or damage on a covered purchased item within 90 days of purchasing the item. All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. Enrollment required. Editorial disclaimer: 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. 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.*. Ben is a former credit card specialist for NerdWallet who wrote card reviews and comparisons and covered credit-related issues affecting consumers. is no longer available through NerdWallet. Check your eligibility here. Unfortunately, if you're affected by a natural disaster, AmEx purchase protection only covers a maximum of $500 in claims per event. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. Worry less. You need to typically provide documentation (receipts) and sometimes proof such as a police report. American Express Purchase Protection: Everything You Need To Know AmEx makes it easy to file a purchase protection claim on its website. Gifts are covered as long as they were purchased using an eligible card, Eligible World and World Elite MasterCard cards, Guide to Visa Signature benefits via CapitalOne. Best card for premium perks while traveling, Capital One Venture X Rewards Credit Card, The Business Platinum Card from American Express, Quick Points: Hyatt Globalists get free parking on award stays, What are points and miles worth? The information for the Amex Green Card has been collected independently by The Points Guy. Editorial disclaimer: 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. The claim should be provided within thirty (30) days of the loss or as soon as reasonably possible. Motorized vehicles, their parts and accessories as well as those parts and accessories intended for use with the motorized vehicles. You want a travel credit card that prioritizes whats important to you. Purchases must be made in the U.S. or its territories, Send Money & Split Purchases: Venmo and PayPal, Credit Intel Financial Education Center. The Amex EveryDay Preferred Credit Card from American Express is no longer available through NerdWallet. You will be asked certain questions about your claim at that time. Marriott Bonvoy Brilliant American Express Card. 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. 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. Go to the Amex extended warranty claims webpage to file online. We believe everyone should be able to make financial decisions with confidence. You can do so online or by calling Amex at 1-800-322-1277. While extended warranty coverage offers more comprehensive damage protection, purchase protection gives you more protection in case of theft. Marriott Bonvoy Business American Express Card. Not a Cardmember yet? You will need to provide American Express with the original store receipt or a printout of an online receipt. Although this is an oft-overlooked benefit, purchase protection can provide exceptional value. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. Join Date: Aug 2009. Do not sell or share my personal information. New comments cannot be posted and votes cannot be cast. I have the Platinum card so would this be covered under lost item protection or would I be SOL? pAxTu:E4 VB8H_
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JI. 3 yr. ago. He covers credit cards, loyalty programs and family travel. Eligibility and Benefit level varies by Card. All Credit Intelcontent is written by freelance authors and commissioned and paid for by American Express. 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. 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. 995 0 obj
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Terms, conditions and limitations apply. If an eligible item is lost, accidentally broken, or stolen within 90 days of the purchase date, Amex may reimburse its value. 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. The American Express Gold Card has one of the lowest annual fees of American Express cards that offer generous $10,000 purchase protection coverage per item (excluding natural disasters). All policies have a maximum limit of $50,000 in claims per calendar year. Consumable or perishable items such as perfume, light bulbs and batteries. If your item was stolen, you may need to show American Express a copy of the police report. 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. While extended warranty coverage offers more comprehensive damage protection, purchase protection gives you more protection in case of theft. Plus, AmEx can change the coverage at any time. And be aware of excluded purchases, too. By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. *Benefits may vary by issuer. Any purchase that is not in an excluded category and is made with a qualifying American Express card will receive purchase protection. it back, American Express may refund the full pur chase price, up to $300 per item, excluding shipping and handling charges related to the item purchased, and up to a maximum of $1,000 per Card Member account per calendar year based on the date of purchase, not during the year the claim was filed. Visit americanexpress.com/benefitsguide for details. We lost some recently purchased shoes at an Airbnb and despite the cleaning team looking multiple times it was nowhere to be found. Pre-qualified offers are not binding. Just answer a few questions and we'll narrow the search for you. He published over 2,000 articles on The Points Guy before becoming a freelance writer. Blue Cash Everyday Card from American Express. American Express consumer cards all offer purchase protections for eligible purchases for 90 days from the date of purchase to file a claim. This post contains references to products from one or more of our advertisers. As stated, Notice of Claim should be provided to Amex within 30 days of the incident. Instead, check the benefits guide to see the card's purchase protection coverage. However, this card doesnt offer extended warranty or return protection. This compensation comes from two main sources. 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. Be sure to check each cards individual purchase protection policy before making an expensive purchase on an Amex card. 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. Terms, conditions and limitations apply. 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. Shopping Protection | American Express US 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. are covered by AmEx's purchase protection coverage. Our points-obsessed staff uses a plethora of credit cards on a daily basis. You may also be asked to return the item to Amex, so be sure to hang onto it until your claim is resolved. More information can be found here. Choose the color that suits your style. Coverage Limits Apply. NerdWallet strives to keep its information accurate and up to date. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. American Express makes it easy for you to file a claim for your lost, damaged or stolen item within 90 days from the date of your purchase. Delta SkyMiles Blue American Express Card. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. *Benefits may vary by issuer. Are you sure you want to rest your choices? A copy of the claim settlement from your primary insurance company, if applicable. *, 4 points per dollar at restaurants and at U.S. supermarkets (on up to $25,000 per calendar year, then 1 per dollar); 3 points per dollar on flights booked directly with the airline or purchased through. Yes, cardmembers of the American Express Gold Card are covered by AmEx's purchase protection coverage. Underwritten by AMEX Assurance Company. American Express Platinum Lost Card - WalletHub Her focus at TPG is points, miles, loyalty and credit cards. This influences which products we write about and where and how the product appears on a page. There is a maximum coverage amount of $10,000 per item and $50,000 per calendar year.*.