* As stated, Notice of Claim should be provided to Amex within 30 days of the incident. Call 1-800-243-0198 for more information. **, Morgan Stanley Blue Cash Preferred American Express Card.**. Amex EveryDay Credit Card is no longer available through NerdWallet. Eligible American Express cardholders can get reimbursed up to $1,000 or $10,000 per item (depending on the card) and up to . More information can be found here. ^Eligibility and benefit levels vary by card. Best Homeowners Insurance for New Construction, How to Get Discounts on Homeowners Insurance. Juan is a travel writer that specializes in travel and personal finance, including content on credit card products and airline and hotel loyalty programs. As with any insurance policy, the devil is always in the details. You can also mail them at: Purchase Protection Claims Unit, PO Box 981553 El Paso TX 79998- 9920. when you need coverage is essential. 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. 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. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team. Most offer up to $1,000 per covered purchase. 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. You can view the full list of cards here. Supplier Diversity. The Ascent is a Motley Fool service that rates and reviews essential products for your everyday money matters. Underwritten by AMEX Assurance Company. Money Management 101. We'd love to hear from you, please enter your comments. 1 Terms, conditions and exclusions apply. Improve earnings, maximize rewards and track progress toward dream trips. Enrollment required. No minimum to redeem for cash back. The coverage is limited up to $10,000 per occurrence, up to $50,000 per card member account per calendar year. Related: Best credit cards with purchase protection. Just like if you were returning the item to the store you bought it from, Amex will reimburse you for taxes but not shipping. AmEx purchase protection generally covers theft, loss and damage to eligible items within 90 days of purchase. If a loss is due to theft, you may need to provide a copy of the police report. You should also know that purchase protection does not cover damage to items when shipped by a third party and under their temporary care, including a common carrier. Past performance is not indicative of future results. . Now there are even more places your Platinum Card can get you complimentary entry and exclusive perks. The most common coverage amount is $1,000 per covered incident, but some premium American Express cards cover purchases. With most Amex cards, purchase protection can be filed for claims up to $1,000 per occurrence and up to a maximum of $50,000 per cardmember per calendar year. Items that are rented, leased or borrowed. Previous article If I submit a claim and receive a benefit, does my coverage stop? There are a multitude of purchases that are excluded from purchase protection. 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. 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. How to File an Amex Gold card Purchase Protection Claim. If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience. All American Express cards with extended warranty benefits provide the same amount of coverage. Terms apply. 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. US Newcomers. Purchases must be made in the U.S. or its territories1. 3 0 obj You will be asked certain questions about your claim at that time. The purchase must be made in the United States, be in like new condition and the merchant must have previously denied the return. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Indirect or direct damage to an item or property resulting from a covered event. Once you've submitted those documents, you'll get another email from Amex letting you know that your documents have been received. The extended warranty period is an additional year and is limited to covering the actual purchase amount paid for with your card. Delta SkyMiles Platinum American Express Card. $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. You may also be asked to return the item to Amex, so be sure to hang onto it until your claim is resolved. Another coverage benefit that can provide peace of mind is Amex return protection. Authorized users are also covered, as long as theyre U.S. residents. American Express cards offer a valuable, complimentary perk that can keep your new purchases safe. Performance information may have changed since the time of publication. Jewelry and watches are also excluded. Eligibility and Benefit level varies by Card. For rates and fees of The Platinum Card from American Express, please click here. For claims filed internationally, you can dial 1-303-273-6498. Permanent household items such as carpet, flooring, air conditioners and refrigerators. If the merchant can not issue you a refund, you can ask American Express to reimburse you for the total cost of the . In addition to stolen and damaged items, AmEx purchase protection also covers items lost within the coverage period. The Platinum Card, Gold Card, Delta SkyMiles Reserve Card, Hilton Aspire Card, and Marriott Bonvoy Brilliant Card are just a few examples. 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. If that's what you're looking for, then travel cards are a good place to start. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. The card comes with coverage of up to $10,000 per claim and $50,000 per account. From lamps to loungewear and from headphones to handbags, you can use your Eligible Card with more confidence when youre covered with Purchase Protection. 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 Please review. To get started, you'll just need your receipt from the merchant and your American Express card statement. Best card for premium perks while traveling, Capital One Venture X Rewards Credit Card, The Business Platinum Card from American Express, Marriott Bonvoy Business American Express Card, Southwest unveils stunning new Hawaii-themed aircraft, How to redeem Chase Ultimate Rewards points for maximum value, IHG Rewards Premier Business card review: The annual fee is justified. For full Terms and Conditions, see www.americanexpress.com/PPterms. He published over 2,000 articles on The Points Guy before becoming a freelance writer. Cost includes $12.95 plus applicable local sales tax. Terms apply to the offers listed on this page. Return protection is a super valuable benefit, and luckily it's available on virtually all American Express cards. 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 Ascent does not cover all offers on the market. In contrast, more than a dozen personal American Express cards include loss as a qualified purchase protection reason in their benefits. The American Express Platinum cards are eligible for American Express Purchase Protection. To file a claim with Amex purchase protection, you can do so online or by calling 800-228-6855. For an explanation of our Advertising Policy, visit. Not a Cardmember yet? Which cards have AmEx purchase protection? For example, AmEx won't approve a claim for damage to an item "purchased for play." If successful, you will get a follow-up email letting you know the details of the outcome and instructions on how to replace, repair or get reimbursement for the lost or damaged item. The coverage maximum with most American Express cards is $1,000 per claim. 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. American Express will let you know what proof of loss is required for your claims. With this benefit, you're able to claim up to a. The material made available for you on this website, Send Money & Split Purchases: Venmo and PayPal, Interested in Amex? $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Plus, AmEx can change the coverage at any time. 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). Terms apply. American Express purchase protection works by covering the damage or theft of eligible purchases for up to 90 days after the purchase date. Eligible American Express cardholders can get reimbursed up to $1,000 or $10,000 per item (depending on the . }lO861|<>?] _$QH:V^Y$6,Da1h(IAY# So, checking. Purchase protection can save you a lot of money when something happens to a recent purchase. Coverage Limits Apply. Please visit americanexpress.com/benefitsguide for more details. Instead, check the benefits guide to see the card's purchase protection coverage. The Hilton Honors American Express Business Card. Credit Score 101. The Platinum Card, Covered Eligible Purchases are items bought with your Eligible Card and are covered for the first 90 days after the day of purchase. In the American Express claims center, click "File a Claim" and go through the claims process. Eligible American Express cardholders can get reimbursed up to $1,000 or $10,000 per item (depending on the card) and up to . Earn 70,000 Bonus Miles after spending $5,000 in purchases on your new Card in your first 3 months of Card Membership. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required), Annual statement credits with Saks and Uber, Bonus categories leave something to be desired, One of the highest annual fees among premium travel cards, Fee-only vs. commission financial advisor, See Business Insider's list of the best rewards credit cards , Have you ever purchased something and wanted to return it only to find out you were past the return window? 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.
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