Delta SkyMiles Platinum Business American Express Card: $15 back per month on U.S . Balance transfer fee applies, see pricing and terms for more details. And you'll usually be required to file a police report if you are claiming it as stolen. Do not sell or share my personal 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. For example Mastercard offers Purchase Assurance to many Mastercard holders. Terms, conditions and limitations apply. Policies are underwritten by AMEX Assurance Company. 10 points per dollar on Chase Dining, hotels and car rentals when you purchase through Chase Ultimate Rewards; 5 points per dollar on flights when you purchase through Chase Ultimate Rewards; 3 points per dollar on other travel and dining; 1 point per dollar on other purchases. This site does not include all credit card companies or all available credit card offers. A variable APR of 19.49%28.24% applies thereafter. Earning rates: 10 miles per dollar spent on hotels and rental cars booked through Capital One Travel; 5 miles per dollar spent on flights booked through Capital One Travel; 2 miles per dollar spent on all other purchases. All consumer American Express cards offer purchase protection for eligible purchases. FlyerTalk Evangelist. If you're hitting the skies soon, you'll also earn bonus points on travel. You can view the full extended warranty policy for each card. All financial products, shopping products and services are presented without warranty. Be ready to provide an itemized online receipt or original store receipt of the item as you will need it to receive claim consideration. hbbd``b`@/P k ";d100O@ T9 3 You want a travel credit card that prioritizes whats important to you. One-of-a-kind items, such as rare stamps and coins. How do I find and add Amex Offers to my Card? To take advantage of this benefit, first review your card's benefit statement to see whether you are eligible for reimbursement if a purchase is damaged, stolen or lost. You can convert your Chase Freedom Flex earnings to Chase Ultimate Rewards points if you have an eligible card that earns Chase Ultimate Rewards points, such as the Chase Sapphire Reserve or Chase Sapphire Preferred Card. For Capital One products listed on this page, some of the above benefits are provided by Visa or Mastercard and may vary by product. Underwritten by AMEX Assurance Company. Eligibility and Benefit level varies by Card. Editors note: This is a recurring post, regularly updated with new information. Big spenders should note that the purchase protection on. Purchase Protection is underwritten by AMEX Assurance Company. Posts: 13,805. AmEx purchase protection covers lost, stolen or damaged items within the first 90 days after purchase. New comments cannot be posted and votes cannot be cast. The most common coverage amount is $1,000 per covered incident, but some premium American Express cards cover purchases up to $10,000 per incident. Do not sell or share my personal information. All financial products, shopping products and services are presented without warranty. Business Green Rewards Card from American Express. See the respective Guide to Benefits for details, as terms and exclusions apply. Something went wrong. Terms apply to the offers listed on this page. This card shines for this use, but overall the star ratings may differ when compared to other cards. , other credit card benefits you might be eligible for. You also may be asked to return the item to Amex in the event it cant be repaired or to provide proof of loss via a repair estimate form or photographs showing the item's current condition. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. More information can be found here. Here is a list of our partners. 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. Notably, American Express prepaid debit cards do not come with this benefit. Motorized vehicles, parts and accessories. Can I file an AmEx purchase protection claim if I redeemed points? The Centurion Card from American Express and The Business Centurion Card from American Express. How do I Earn Membership Rewards Points? When evaluating offers, please review the financial institutions Terms and Conditions. The other card networks often offer their own purchase protections as part of their network affiliation. Gold or Rose Gold. If the item was stolen, you may need to show us a copy of the police report, or if the item was damaged, you may need to send it in to complete the claim so dont throw it out. 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. This guide will describe the basics of credit card purchase protection and detail the credit cards that offer the best coverage. Purchase protection saved us $1,700 a reader success story, These are the cards TPG staff reach for in case of emergency, Delta SkyMiles Reserve American Express Card, Delta SkyMiles Reserve Business American Express Card, Hilton Honors American Express Aspire Card, Marriott Bonvoy Brilliant American Express Card, The 5 Amex cards were keeping in our wallets and why, Do Not Sell or Share My Personal Information, $10,000 per item (or $500 per event for natural disasters). *Eligibility and Benefit level varies by Card. Thankfully, its really easy to search my email inbox to find receipts for everything Ive bought online. So the key limitations are that the return attempt must be made within 90 days of purchase and that you can reimbursed up to a maximum of $300. Instead, check the benefits guide to see the card's purchase protection coverage. Card issuers strive to set their products apart from the competition by offering incentives like welcome bonuses, but sometimes the less-flashy benefits can be even more valuable. 961 0 obj <> endobj 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. Tip: Use WalletFlo for all your credit card needs. 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. All Rights Reserved. The Ink Cash Card is a great choice if you buy high-value items that are eligible for purchase protection at office supply stores where youll earn 5% cash back until you hit your annual limit. Related: Your guide to the Chase Ink Business credit cards. If an eligible item is lost, accidentally broken, or stolen within 90 days of the purchase date, Amex may reimburse its value. Amex has you covered in that instance, too. Disclaimer: NerdWallet strives to keep its information accurate and up to date. Failing that, I also can search my order history at Amazon, eBay and other online retailers I use. Claim processing and payment is usually complete within 30 days. Several credit cards may even provide protection if you lose a recently-purchased item. EgnS+JoYlUR fbcv,R38{TA\ =e`%! The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Here is a list of our partners and here's how we make money. Sometimes called damage protection, purchase protection ensures goods against theft or accidental damage for a limited time. Related: The best credit cards with price protection. Editors note: This is a recurring post, regularly updated with new information. 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. Authorized users are also covered, as long as theyre U.S. residents. I confess that I dont save a copy of the register receipt from every purchase I make Im just not that organized. More information can be found, American Express makes it easy you can file your claim. However, not all purchases and losses are covered by AmEx purchase protection. 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. Not if you used the right credit card to make the purchase. Choose the color that suits your style. The card details on this page have not been reviewed or provided by the card issuer. This site does not include all credit card companies or all available credit card offers. Please review. Battle of the premium travel rewards cards which is best for you? 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.*. It seemed like a good idea at the time, but once I received it and had a chance to install it, I realized that it scared my daughter and seemed too dangerous to me as well. The Hilton Honors American Express Business Card. However, this card is so packed with benefits that this coverage doesn't make the card's highlights on the AmEx website. Purchase Protection If your eligible item* is either stolen or accidentally damaged up to 90 days after you've bought it, we'll reimburse you up to 2,500. Call 1-800-243-0198 for more information. is a location independent digital nomad who has traveled full time since June 2017. Things To Do Before Canceling A Credit Card, Best Credit Cards For Travel Insurance Benefits, American Express Business Platinum Review, Delta SkyMiles Reserve Credit Card Review, Rotating quarterly categories earn 5% rewards when activated, up to a combined quarterly $1,500 maximum, Travel rewards rate rivals some of the best premium travel cards, Generous rewards rate in several other categories, Travel bookings must be made through Chase Ultimate Rewards to earn 5% cash back. Enrollment required. Not as useful for those living outside the U.S. Our partners compensate us. Credit ranges are a variation of FICO Score 8, one of many types of credit scores lenders may use when considering your credit card application. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Coverage under the Purchase Protection Program, which covers items broken, stolen, or lost (lost coverage on the Platinum and Centurion cards only) within 90 days of purchase, is up to $10,000 per occurrence on the Platinum card vs. $1,000 on the SPG card. Only two American Express business cards, the Delta SkyMiles Reserve Business American Express Card and The Business Platinum Card from American Express, elevate coverage to $10,000. If your item is stolen or damaged within 90 days of purchase, this policy can replace, repair or reimburse you up to $10,000 per claim or $50,000 maximum per year. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Disclaimer: NerdWallet strives to keep its information accurate and up to date. All information about The Amex EveryDay Preferred Credit Card from American Express has been collected independently by NerdWallet. The card details on this page have not been reviewed or provided by the card issuer. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. 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. 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. JT Genter is a freelance points, miles and credit card writer formerly of The Points Guy. Purchase protection will reimburse you for theft, loss or accidental damage to eligible items that occurred within 90 days of purchase. 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. For most claims, you'll typically need to submit: A copy of your credit card statement with the purchase. , Gold Card, and Ameriprise Gold Card Members Purchase Protection can also help protect your purchases for up to 120 days* from the date of purchase if the item is stolen, accidentally damaged or lost. The warranty wont cover the damage, and you didnt think youd need AppleCare. Amex Platinum Lost Item Purchase Protection Question So I recently. The information for the Hilton Aspire Amex card has been collected independently by The Points Guy. Hilton Honors American Express Aspire Card is no longer available through NerdWallet. Earn 4X Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). 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. bought the Airpods Max and ended up loosing them on my flight, I put them in the seat pocket in front of me during the meal and completely forgot that they were in there. When an American Express Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. 2023 American Express. For rates and fees of the Amex Gold Card, please click here.For rates and fees of the Blue Cash Everyday, please click here.For rates and fees of the Amex Platinum Card, please click here.For rates and fees of the Hilton Aspire, please click here.For rates and fees of the Delta Reserve, please click here. So for example, if someone were to break into your car and steal your laptop, youd be covered under purchase protection, as long as you purchased it with your American Express card. Join Date: Aug 2009. 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. Terms and conditions will apply. Depending on the credit card, the coverage amount and the duration of the protection may differ. Meanwhile, here's the list of small business cards from AmEx with this benefit: The Business Platinum Card from American Express. Read more. An itemized receipt from the retailer showing the purchase. Consumable or perishable items such as perfume, light bulbs and batteries. Shop safe withSafeKey. Many Amex cards offer purchase protection but coverage limits vary. Select the Card below to read the full terms and conditions for Return Protection related to that Card. 0% intro APR for 15 months from account opening on purchases and balance transfers. In this case, you must purchase an item thats eligible for coverage and the loss cant be due to an excluded reason. * Eligibility and benefit levels vary by card. Compact discs, digital video discs, mini discs, audiotapes and videotapes. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Business Green Rewards Card from American Express is no longer available through NerdWallet. Negotiable instruments, such as stamps and travelers' checks. This should be covered under lost item assuming you have the receipt etc. You may also be asked to return the item to Amex, so be sure to hang onto it until your claim is resolved. Here's a look at how purchase protection programs work. Its easy to write off these policies as being too much of a hassle or, conversely, being too good to be true. That proof of loss depends on the circumstances. We'll run a soft credit check to find special offers, but it wont affect your credit score. American Express removed this perk from most of its cards effective at the start of 2020. Coverage is limited to the amount charged to your card, up to $10,000 per item and $50,000 per card each calendar year.^. Permanent household items such as carpet, flooring, air conditioners and refrigerators. Negotiable instruments including travelers' checks and gift cards. Let's take a look at the current coverage on, holders are covered for up to 90 days from the date of a covered purchase of an eligible item. A copy of your primary insurance declaration page, if applicable. bought the Airpods Max and ended up loosing them on my flight, I put them in the seat pocket in front of me during the meal and completely forgot that they were in there. 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