Now there are even more places your Platinum Card can get you complimentary entry and exclusive perks. How Much Does Home Ownership Really Cost? 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). There is, however, a higher maximum of $10,000 per claim with several premium American Express cards. Claims can be made online or by giving American Express a call at 1-800-322-1277. as well as other partner offers and accept our, 4.4 out of If you'd rather file a purchase protection claim by phone, call 1-800-228-6855. All policies have a maximum limit of $50,000 in claims per calendar year. Hilton Honors American Express Surpass Card. 2023 American Express. Covered Eligible Purchases are items bought with your Eligible Card and are covered for the first 90 days after the day of purchase. Items permanently affixed to a home, office, vehicles, etc. Most Cards allow up to $1,000 per incident, with a limit of $50,000 per year. Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available. He writes for The Ascent and The Motley Fool, and his work has appeared in USA Today and Yahoo! This is just one scoring method and a credit card issuer may use another method when considering your application. Checking vs. Savings Account: Which Should You Pick? Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards, our premier rewards program thatlets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). American Express consumer cards all offer purchase protections for eligible purchases for 90 days from the date of purchase to file a claim. endobj Learn more: The best credit cards for travel insurance benefits. Everything you need to know about American Express purchase protection See if Youre Pre-Qualified, Credit Intel Financial Education Center. Travel is also generally excluded from this purchase protection benefit. Simply losing or misplacing the purchase (although the policies for the Delta Reserve, Delta Reserve Business, Hilton Aspire and all consumer versions of the Amex Platinum Card do cover lost or misplaced items). Had no problems at all wrt the period. Purchase Protection is normally not the first benefit that comes to mind when you think of your American Express card perks. Remember you need to provide a copy of the purchase receipt and file a Notice of Claim within 30 days of the loss or damage. }lO861|<>?] _$QH:V^Y$6,Da1h(IAY# Curious to hear people's stories using purchase protection with AMEX. 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.*. However, the purchase protection coverage amounts and limitations vary between AmEx cards. Many popular rewards credit cards come with generous welcome offers and useful benefits to attract consumers. For return protection, you have to file a claim within 90 days of your original purchase. All financial products, shopping products and services are presented without warranty. 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. Return protection is available on virtually every Amex card, from the Blue Cash Preferred Card from American Express to the Platinum Card to the American Express Green Card Items voluntarily or involuntarily discarded. 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. Personal Experience With Purchase Protection Thread : r/amex has been a Senior Points and Miles Contributor for TPG since 2012. 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. (If Amex doesn't ask for the item back, you can donate or discard it.). <>/ExtGState<>/XObject<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI] >>/MediaBox[ 0 0 612 792] /Contents 4 0 R/Group<>/Tabs/S/StructParents 0>> Do not sell or share my personal information. Purchase Protection: Which Credit Cards Cover Your Belongings We'd love to hear from you, please enter your comments. The coverage maximums vary by card, though. The Platinum Card from American Express American Express Gold Card and Delta SkyMiles Reserve American Express Card (Terms apply, see rates & fees) are just a few examples. Return protection is a super valuable benefit, and luckily it's available on virtually all American Express cards. Commissions do not affect our editors' opinions or evaluations. *Eligibility and Benefit level varies by Card. American Express Purchase Protection: Everything You Need To Know - Forbes $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card. It's important to practice financial discipline when using credit cards by paying your balances in full each month, making payments on time, and only spending what you can afford to pay back. How to file an AmEx purchase protection claim, AmEx personal cards with purchase protection, Blue Cash Preferred Card from American Express, The Amex EveryDay Preferred Credit Card from American Express, Hilton Honors American Express Surpass Card, Hilton Honors American Express Aspire Card, Marriott Bonvoy Brilliant American Express Card, Delta SkyMiles Reserve American Express Card, Delta SkyMiles Platinum American Express Card, Delta SkyMiles Gold American Express Card, Delta SkyMiles Blue American Express Card, AmEx small business cards with purchase protection, The Business Platinum Card from American Express, The Blue Business Plus Credit Card from American Express, Business Green Rewards Card from American Express, Delta SkyMiles Platinum Business American Express Card, Delta SkyMiles Reserve Business American Express Card, Delta SkyMiles Gold Business American Express Card, The Hilton Honors American Express Business Card, Marriott Bonvoy Business American Express Card, However, the purchase protection coverage amounts and limitations vary between AmEx cards. Negotiable instruments, such as stamps and travelers' checks. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). . Credit Card Return Protection Terms | American Express US Return Protection Learn more about the benefits Card Membership can provide. If you're comparing credit cards based on their purchase protection, you'll find the current American Express consumer cards with this benefit in the table below. American Express AMEX Assurance Company PO Box 981553 El Paso TX 79998-9920 (800) 858-5971 Toll Free Fax (800) 322-1277 Phone Purchase Protection Claim Form Claim Number (required) Instructions: Please. x][s8~wjJ[1M\INm)qTdctJ ) E=SH"h6 O6=rv,_7r3Y/s#.t'kd bBJK9>:}YqaX0DI Some premium American Express Cards also include coverage for lost items and provide coverage of up to $10,000 per incident and $50,000 per year. The Hilton Honors American Express Business Card. Phone fell out of my pocket getting out of the car and cracked the rear glass. This post contains references to products from one or more of our advertisers. Hi everyone, I started a purchase protection claim for exercise equipment that was stolen from my 2nd home. 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. Please view our advertising policy page for more information. You might be using an unsupported or outdated browser. <> Disclaimer: NerdWallet strives to keep its information accurate and up to date. Aaron is an avid global traveler and miles and points enthusiast. 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. Delta SkyMiles Blue American Express Card. 4 0 obj 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. Shopping Protection | Purchase Protection Plan | Amex CA Marriott Bonvoy Business American Express Card. 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. When evaluating offers, please review the financial institutions Terms and Conditions. If an eligible item is lost, accidentally broken, or stolen within 90 days of the purchase date, Amex may reimburse its value. AMEX Purchase Protection Claim - Fill and Sign Printable Template Online Instead, check the benefits guide to see the card's purchase protection coverage. Purchase Protection Protect your shopping Enjoy stress-free shopping when you use your American Express Card, with 90-day Purchase Protection. No minimum to redeem for cash back. Don't you wish you could take a peek inside a credit card expert's wallet sometimes? Authorized users are also covered. If not, please enter the text below. However, this card is so packed with benefits that this coverage doesn't make the card's highlights on the AmEx website. . Instead, check the benefits guide to see the card's purchase protection coverage. $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. By clicking Sign up, you agree to receive marketing emails from Insider Frequently Asked Questions. How do I find and add Amex Offers to my Card? American Express removed this perk from most of its cards effective at the start of 2020. , AmEx purchase protection only covers a maximum of $500 in claims per event. To file a claim with Amex purchase protection, you can do so online or by calling 800-228-6855. Best Homeowners Insurance for New Construction, How to Get Discounts on Homeowners Insurance. Purchase Protection can cover the cost of lifes uh-oh moments, so you can be more confident when buying with your Eligible Card. 1 0 obj AmEx Purchase Protection: What You Need to Know - NerdWallet 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. How to file a purchase protection claim with Amex. For example, accidental damage would require different proof of loss than theft. has been collected independently by NerdWallet. So, checking the terms for your AmEx card when you need coverage is essential. Anything purchased for resale or commercial use. 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. 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. American Express purchase protection is short-term insurance for products you buy. You will be asked certain questions about your claim at that time. The claim process begins when you file your claim. Terms apply. 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. AmEx makes it easy to file a purchase protection claim on its website. Buyer's Assurance Protection Plan extends the original equipment manufacturer's basic warranty, the plan will not extend any additional coverage purchased from the manufacturer, retailer or any other source. We believe everyone should be able to make financial decisions with confidence. If an item is broken, take pictures to document the broken item and make sure that you keep the broken item until either it is requested by American Express or your claim is paid and closed.
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