See if Youre Pre-Qualified, Credit Intel Financial Education Center. Claim processing and payment is usually complete within 30 days. 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'. To view rates and fees for the Delta SkyMiles Reserve American Express Card please visit this page. Blue Cash Everyday Card from American Express. To be eligible for return protection, an item must have been purchased entirely with an Amex card. The Points Guy, Forbes Advisor, AwardWallet, LendingTree. If an item is stolen, file a police report immediately. Well, you can't look in anybody's wallet, but you can check out our experts' favorite credit cards. Cost includes $12.95 plus applicable local sales tax. After working as a tax accountant for a decade, JT turned his analytical skills to points, miles and credit cards. Submit a Claim. Instead, check the benefits guide to see the card's purchase protection coverage. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases. He covers credit cards, loyalty programs and family travel. With most Amex cards, youre covered for up to $1,000 per covered incident and up to $50,000 per year, but the reimbursement doesnt include any shipping or handling expenses. Coverages Available on Your Card Coverages you have Purchased Call us first if you have a travel medical emergency: Toll-free from US & Canada 1-800-243-0198 From anywhere in the world (905) 475-4822 Travel Emergency Medical Insurance1 Travel Accident Insurance3 Flight and Baggage Delay & Hotel Burglary Insurance1 Notably, American Express prepaid debit cards do not come with this benefit. How to File American Express Claims for Benefits - WalletHub How does Amex Platinum purchase protection work? Credit Card Return Protection Terms | American Express US Return Protection Learn more about the benefits Card Membership can provide. endobj 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. The purchase must be made in the United States, be in like new condition and the merchant must have previously denied the return. As stated, Notice of Claim should be provided to Amex within 30 days of the incident. 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. The manufacturer was completely unwilling to repair or replace it, but once again I remembered my Amex extended warranty policy and filled out an online claim form. AmEx makes it easy to file a purchase protection claim on its website. Our points-obsessed staff uses a plethora of credit cards on a daily basis. Plus, your own feed of TPG content. Compact discs, digital video discs, mini discs, audiotapes and videotapes. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. Purchase protection is included in many U.S. American Express cards at no additional cost to the cardholder. You can view the full extended warranty policy for each card. Beyond glamorous perks like airport lounge access and annual statement credits, American Express cards offer several valuable benefits that can protect your purchases. Finally, its not that hard to snap a photo of a receipt and retain it in your smartphones cloud storage archive for many years. American Express processes claims more quickly than some other issuers. You must file a claim within 90 days of your original purchase through this link or by calling 800-228-6855. Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% 28.49%. Purchase protection will reimburse Amex Gold card cardholders for up to $10,000 per covered purchase and up to $50,000 for all covered incidents per cardholder during a calendar year (coverage limits apply). Purchase protection can save you a lot of money when something happens to a recent purchase. Motorized vehicles, parts and accessories. However, this card is so packed with benefits that this coverage doesn't make the card's highlights on the AmEx website. See if Youre Pre-Qualified, Credit Intel Financial Education Center. You'll receive a link where you can upload copies of those documents, as well as a fax number and snail mail address if you're old school like that. Dozens of AmEx cards offer purchase protection benefits. If that's what you're looking for, then travel cards are a good place to start. Here is a list of our partners and here's how we make money. Personal hygiene items or any devices (medical or nonmedical) that have been personally used and could be considered a health risk to others. $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, The New York Times, and other participating providers. 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. Credit Card Return Protection Terms | American Express US Additionally, purchase protection benefits are not payable on eligible items if the damage is caused by riots, acts of war or service in the military, normal wear and tear or damage through alteration. Business Green Rewards Card from American Express is no longer available through NerdWallet. 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. Purchase Protection is underwritten by AMEX Assurance Company. The card details on this page have not been reviewed or provided by the card issuer. All rights reserved. Claim amount was around $300. Terms, conditions and limitations apply. If a loss is due to theft, you may need to provide a copy of the police report. Juan is a travel writer that specializes in travel and personal finance, including content on credit card products and airline and hotel loyalty programs. $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Items damaged by natural disasters are subject to different terms and limits notated in each cards terms and conditions. American Express purchase protection works by covering the damage or theft of eligible purchases for up to 90 days after the purchase date. 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. Many popular rewards credit cards come with generous welcome offers and useful benefits to attract consumers. Within a few days, you should get an email from American Express asking for any documentation they require - typically just a copy of your itemized store receipt for the items. If. For most people, the purchase protection benefit offered by some credit cards flies under the radar. Remember you need to provide a copy of the purchase receipt and file a Notice of Claim within 30 days of the loss or damage. The claim process begins when you file your claim. This benefit applies if you made the purchase, or at least a portion of it, with your American Express card or American Express points. United States. I was not asked to return the items in question in either case. Uber Cash and Uber VIP status is available to Basic Card Member only. American Express purchase protection works by covering the damage or theft of eligible purchases for up to 90 days after the purchase date. This compensation comes from two main sources. Other American Express business cards offer the standard $1,000. If that item is lost, stolen or damaged within the first 90 days, file a Notice of Claim within 30 days to start the claims process.