* The Platinum also offers 90 days of return protection, up to $300 per item. To be eligible, you must pay for the entire cost of the item with your eligible American Express card, and purchases must be made in the U.S. or U.S. territories.^. I definitely lean toward my Amex card when I buy a television, computer or a major appliance that can be costly to repair even if it means sacrificing bonus points. If I'm on Disability, Can I Still Get a Loan? I was notified about a week later that my claim had been accepted, and I was issued a statement credit for the purchase price. Here, you'll need to provide a copy of the purchase receipt and proof of loss. Purchase protection is an embedded benefit of your card membership and requires no enrollment. When evaluating offers, please review the financial institutions Terms and Conditions. Have you considered how much it will cost to use credit card while traveling abroad? How to File American Express Claims for Benefits - WalletHub is no longer available through NerdWallet. The first claim was for a childs bicycle seat that was supposed to mount on my bikes handlebars. . Cash and cash-like items including gift certificates, stamps and coins. The extended warranty period is an additional year and is limited to covering the actual purchase amount paid for with your card. American Express consumer cards all offer purchase protections for eligible purchases for 90 days from the date of purchase to file a claim. In contrast, more than a dozen personal American Express cards include loss as a qualified purchase protection reason in their benefits. Terms and conditions will apply. When we think of travel rewards card benefits, we tend to think of lounge access, free checked bags and companion tickets, but dont stop there. For full Terms and Conditions, see www.americanexpress.com/PPterms. You want a travel credit card that prioritizes whats important to you. Just to see the cards they carry? If. Permanent household items such as carpet, flooring, air conditioners and refrigerators. CLAIM NUMBER (NUMERIC-PART ONLY) DOCUMENT UPLOAD NUMBER Are you a robot? Can I file an AmEx purchase protection claim if I redeemed points? endobj Shop safe withSafeKey. In this post, Ill look at the three different shopping protection policies offered by many American Express cards and explain how you can leverage these benefits to save money. Underwritten by AMEX Assurance Company. 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. Cost includes $12.95 plus applicable local sales tax. For claims filed internationally, you can dial 1-303-273-6498. Submit a Claim | American Express Canada Enrollment required. Terms apply. Finally, its not that hard to snap a photo of a receipt and retain it in your smartphones cloud storage archive for many years. Earn 5x Membership Rewards Points on prepaid hotels booked with American Express Travel. Phone fell out of my pocket getting out of the car and cracked the rear glass. Disclaimer: NerdWallet strives to keep its information accurate and up to date. 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. Can You Buy Gift Cards with a Credit Card? Your, Some cards have return protection as an included benefit, and using this perk is especially easy with, This is a valuable benefit to keep in mind with any holiday shopping you plan to do. For a complete description of the policies of your American Express card, select your card on this page. 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 That's 6.5% on travel purchased through Chase Ultimate Rewards, 4.5% on dining and drugstores, and 3% on all other purchases. Many other issuers offer some form of damage against loss or theft for eligible items purchased with the card. Plus, not all damage and losses are covered. For rates and fees of the Blue Cash Preferred Card from American Express, please click here. If you'd. 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. Notably, American Express prepaid debit cards do not come with this benefit. Delta Reserve Business Card Purchase Protection Explained 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. This benefit covers eligible items purchased with an eligible American Express card against damage or theft. Many Amex cards offer purchase protection but coverage limits vary. 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. 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. American Express Gold Purchase Protection Explained It also includes their coverage maximums per purchase and calendar year. The following items are excluded from this policy: See the entire return protection policy for your card here. Terms apply. 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. Benefits Dashboard - American Express Terms, conditions and limitations apply. AmEx purchase protection generally covers theft, loss and damage to eligible items within 90 days of purchase. American Express Purchase Protection Explained How to File an Amex Gold card Purchase Protection Claim. Keep in mind that we're focusing on the rewards and perks that make these credit cards great options, not things like interest rates and late fees, which will far outweigh the value of any points or miles. Be sure to check your cardholder agreement for your specific benefits. If a loss is due to theft, you may need to provide a copy of the police report. 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. Purchase protection can save you a lot of money when something happens to a recent purchase. Instead, check the benefits guide to see the card's purchase protection coverage. shopping purchases when you use your Eligible Card. How do I Earn Membership Rewards Points? Also, note that some losses are excluded such as if you left the item in an unlocked car. INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) worth up to $300 cash back! Any purchase that is not in an excluded category and is made with a qualifying American Express card will receive purchase protection. With Amex purchase protection, eligible purchases are insured for up to 90 days against damage, theft, and loss. AmEx purchase protection excludes a long list of types of purchases, including: Antiques, artwork and previously used items. _qUEy 3Q-VH'W]\3v5w,E13U "uelw[>O||'Wc1x,>V2X"Dd'PJ~f'2. Everything you need to know about Amex purchase protection The Best Credit Cards for Purchase Protection [2023] Delta SkyMiles Reserve Business American Express Card. Underwritten by AMEX Assurance Company. How can I check the status of a claim? - American Express Purchase Protection Protect your shopping Enjoy stress-free shopping when you use your American Express Card, with 90-day Purchase Protection. With this benefit, you're able to claim up to a. Pre-qualified offers are not binding. Plus, AmEx can change the coverage at any time. AmEx Return Protection: What You Need to Know - NerdWallet Check here before booking an award fare. Each eligible AmEx card is covered for up to $50,000 in claims per year. Improve earnings, maximize rewards and track progress toward dream trips. Terms apply. How do I Earn Membership Rewards Points? From lamps to loungewear and from headphones to handbags, you can use your Eligible Card with more confidence when youre covered with Purchase Protection. 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. When you purchase an item with a manufacturer's warranty, this benefit can add an extra year to the warranty. Purchase protection is included in many U.S. American Express cards at no additional cost to the cardholder. Here are a few examples of proof of loss that American Express may ask for: American Express pays purchase protection claims within 30 days of receiving satisfactory proof of loss and determining the claim is payable. 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. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. Everything you need to know about American Express purchase protection From porch pirates to Murphy's law, a lot can go awry between the time you buy an item and make use of that purchase. Once youve submitted the necessary supporting documents, American Express will send you an email confirmation stating your documents were received. 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 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. Don't you wish you could take a peek inside a credit card expert's wallet sometimes? AmEx return protection is an extended return policy covering eligible purchases. American Express has expanded The Centurion Network to include 40+ Centurion Lounge and Studio locations worldwide. If your item was stolen, you may need to show American Express a copy of the police report. Eligibility and benefit level varies by card. 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 This was for Amex Canada (RSA Insurance). Get started here: To file an Amex purchase protection claim, visit americanexpress.com/onlineclaim. However, the purchase protection coverage amounts and limitations vary between AmEx cards. ^Eligibility and benefit levels vary by card. 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. 4.4 You want a travel credit card that prioritizes whats important to you. Eligibility and Benefit level varies by Card. Consumable or perishable items like food and batteries. To validate your coverage, please call the number on the back of your Card. This purchase protection product covers damage and theft, but only up to $500 per claim and $50,000 per account. Shopping online for a car is an accelerating trend changing the purchase process from start to finish. Not a Cardmember yet? This information may be different than what you see when you visit a financial institution, service provider or specific products site. Check your benefits guide for complete details. Amex Extended Warranty | The Motley Fool 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. How to File a Purchase Protection Claim with the Delta Reserve Business Card. Books, magazines or periodicals of any kind. I don't have much time to deal with this but I've never filed a claim before. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. Compare the cost in points or miles to cash, and see which option is best. 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. Each eligible AmEx card is covered for up to $50,000 in claims per year. The information for the Amex Green Card has been collected independently by The Points Guy. Select "purchase protection" on the next page and continue the process. How to File a Purchase Protection Claim with the Hilton Business Credit Card. No annual fee You wont have to pay an annual fee for all the great features that come with your Freedom Unlimited card. Cards that still offer this benefit include: ** The information for these cards has been collected independently by The Points Guy. 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. Make sure to file a claim within 30 days of the incident - or as soon as reasonably possible. More information can be found here. With most Amex cards, you're covered for up to $1,000 per covered incident and up to $50,000 per year, but the reimbursement doesn't include any shipping or handling expenses. How to File a Purchase Protection Claim with the Amex Delta Platinum Business Credit Card Call the Benefit Administrator within 30 days of the incident at 1-800-228-6855 or the number in your card's benefits guide. Click "file a claim" and select the card for which you're filing a claim, enter your date of purchase and click "continue.". Call 1-800-243-0198 for more information. 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. Almost every American Express credit and charge card offers purchase protection of some degree. How do I file a purchase protection claim? If that happens due to a covered event, you can file a claim with American Express for reimbursement. Virtually all Amex Membership Rewards, cash back and travel credit cards come with this benefit, ranging from basic cards to ultra-premium cards like The Platinum Card from American Expressand co-branded cards with Hilton and Delta (Terms apply). You must provide an original store receipt (or a printout of an online receipt). Credit Card Extended Warranty and Terms | American Express Here's a step-by-step guide to submitting a claim for return protection through Amex. All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. Hilton Honors American Express Surpass Card. This is just one scoring method and a credit card issuer may use another method when considering your application. Sound too good to be true? If submitting a claim by phone, you will be asked certain questions about your claim. Terms, Conditions and Limitations Apply. 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. I confess that I dont save a copy of the register receipt from every purchase I make Im just not that organized. The coverage is limited up to $10,000 per occurrence, up to $50,000 per card member account per calendar year. In contrast, several premium American Express Cards provide coverage of up to $10,000 per incident, up to $50,000 per card member account per calendar year. Eligibility and Benefit level varies by Card. Performance information may have changed since the time of publication. Pre-qualified offers are not binding. If you try to return an item within 90 days of purchase and the merchant won't accept it, American Express will take it back instead and reimburse you up to $300 per claim and $1,000 per card per year (based on the year of purchase). 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. Amex Purchase Protection Benefits | The Motley Fool The claim process begins when you file your claim. Health care items and/or medical equipment. 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. For a complete description of the policies of your American Express card, select your card on this page. 1 CLAIM DETAILS 2 DOCUMENT LIST Enter your claim details. The Centurion Card from American Express and The Business Centurion Card from American Express. Beyond that, I think its prudent to factor these protections into your decision of which card to use whenever you make a large purchase. However, there are plenty of credit cards that offer travel insurance and protections. Find out here how we keep you up to date. 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. File a police report within 48 hours of the incident, if the item was stolen. For return protection, you have to file a claim within 90 days of your original purchase. Forbes Advisor created additional star ratings so that you can see the best card for specific needs. In addition to filing your claim, you must provide proof of loss within 60 days of the incident or as soon as reasonably possible. Terms apply. Flexibility, point transfers and a large bonus: Bank of America Travel Rewards credit card. In addition to stolen and damaged items, AmEx purchase protection also covers items lost within the coverage period. Beyond glamorous perks like airport lounge access and annual statement credits, American Express cards offer several valuable benefits that can protect your purchases. 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 you have an item that was damaged or stolen shortly after you purchased it, it can be worth checking the guide to benefits of the card you used to purchase that item to see if a form of purchase protection applies. 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. For rates and fees of The Platinum Card from American Express, please click here. You will be asked certain questions about your claim at that time. What are the best ways to use my amex membership rewards? Money Management 101. Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% 28.49%. To start the process, log into your AmEx account and go to the claims center page. Copyright, Trademark and Patent Information, One-of-a-kind items including antiques, artwork, and furs, Purchases that are consumable or have a limited life span, Previously owned and used items (except when refurbished by the original manufacturer), A copy of any insurance declaration pages for other policies that cover the purchase, A photograph and/or a completed repair estimate form, For theft and vandalism claims -- a written incident report filed with the appropriate authority before you filed your purchase protection claim. It appears that JavaScript is either disabled or not supported by your web browser. The most common coverage amount is $1,000 per covered incident, but some premium American Express cards cover purchases. Every consumer American Express card offers purchase protection. American Express purchase protection is short-term insurance for products you buy. 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. Even when you don't need it, just knowing your card offers it can give you peace of mind. Curious to hear people's stories using purchase protection with AMEX. Amex cards that offer purchase protection. Past performance is not indicative of future results. We'll run a soft credit check to find special offers, but it wont affect your credit score. If necessary, American Express will send you claim forms to complete. Hi everyone, I started a purchase protection claim for exercise equipment that was stolen from my 2nd home. Our points-obsessed staff uses a plethora of credit cards on a daily basis. Items not being safeguarded or left at an unlocked location. 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. Delta SkyMiles Blue American Express Card. So, checking the terms for your AmEx card when you need coverage is essential. Information provided on Forbes Advisor is for educational purposes only. War, acts of war or service in the military. Welcome to the American Express Claim Document Upload Site For Products Underwritten by AMEX Assurance Company To get started, please complete the fields below. Does AmEx purchase protection cover lost items? The other card networks often offer their own purchase protections as part of their network affiliation. 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. Click "file a claim" and. Are you sure you want to rest your choices? Youll be asked for a copy of the receipt and your Amex purchase record. American Express Return Protection | The Motley Fool AmEx purchase protection covers lost, stolen or damaged items within the first 90 days after purchase. If disaster strikes your new laptop, smartphone, jacket, or any other recent purchase, you could get reimbursed courtesy of this American Express card benefit. The extended warranty does not cover the following items: Also, coverage does not apply to damage from natural disasters, alterations or modifications, power surges, war or acts of war or any item under a product recall. *Eligibility and benefit levels vary by card. Plus, AmEx can change the coverage at any time. At that point, sit back and relax. The material made available for you on this website, Send Money & Split Purchases: Venmo and PayPal, Interested in Amex? Here is a list of our partners. Here is a list of our partners and here's how we make money. $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card. Frequently Asked Questions. Best Homeowners Insurance for New Construction, How to Get Discounts on Homeowners Insurance. You must file a claim within 90 days of your original purchase through this link or by calling 800-228-6855. All financial products, shopping products and services are presented without warranty. For information on coverage limits and what's not covered, review your card's guide to benefits. How To Find The Cheapest Travel Insurance, Best Credit Cards For Travel Insurance Benefits, American Express Business Platinum Review, Delta SkyMiles Reserve Credit Card Review, Generous welcome offer for a no-annual-fee card, Unlimited 1.5% minimum earn rate for cash back rewards, Requires a companion card to transfer points to travel partners. Additionally, purchase protection benefits are not payable on eligible items if the damage is caused by riots, acts of war or service in the military, normal wear and tear or damage through alteration. Does the Gold card have purchase protection? }lO861|<>?] _$QH:V^Y$6,Da1h(IAY# And Visa offers Purchase Security to Visa Infinite cardmembers. Policies are underwritten by AMEX Assurance Company. The card details on this page have not been reviewed or provided by the card issuer. Purchase Protection often covers loss, damage and theft for a short period of time, usually a few months, after purchase. 2 0 obj American Express processes claims more quickly than some other issuers. If you purchase a high-end $2,500 laptop, you should charge it to your premium card with a $10,000 per incident limit rather than a card with a $1,000 per incident coverage limit. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. I was not asked to return the items in question in either case. Related: Your complete guide to shopping protections on American Express cards. How Much Does Home Ownership Really Cost? Delta SkyMiles Platinum Business American Express Card. endobj Amex purchase protection lasts for 90 days from the purchase date. Credit Intel - Financial Education Center. You will need to provide American Express with the original store receipt or a printout of an online receipt. Remember that only purchases made with your eligible American Express card and only the amount charged to your card are eligible for purchase protection. to see if your incident is covered. 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. Here's a step-by-step guide to submitting a claim for return protection through Amex. Explore our Cards Terms and Conditions The card details on this page have not been reviewed or provided by the card issuer. 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.
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