However, this card is so packed with benefits that this coverage doesn't make the card's highlights on the AmEx website. To view rates and fees of The Platinum Card from American Express, see this page. When evaluating offers, please review the financial institutions Terms and Conditions. Learn more: How to add money-saving AmEx . Please visit americanexpress.com/benefitsguide for more details. This benefit offers cardholders compensation when a store will not accept an eligible item for return within 90 days of purchase. You will be asked certain questions about your claim at that time. You'll notice that nearly all AMEX cards offer this benefit, so chances are you're already covered. For a complete description of the policies of your American Express card, select your card on this page. This post contains references to products from one or more of our advertisers. All financial products, shopping products and services are presented without warranty. Remember that only purchases made with your eligible American Express card and only the amount charged to your card are eligible for purchase protection. The American Express Gold Card has one of the lowest annual fees of American Express cards that offer generous $10,000 purchase protection coverage per item (excluding natural disasters). Go to the Amex extended warranty claims webpage to file online. All Rights Reserved. Each eligible AmEx card is covered for up to $50,000 in claims per year. We believe everyone should be able to make financial decisions with confidence. The card details on this page have not been reviewed or provided by the card issuer. Here are the full conditions for the purchase protection: Download (PDF, 815KB) The item covered under this claim was very cheap, $42.27 for the swimwear but as long as it's covered there is no reason not to file a claim for this item. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Purchase protection offers short-term insurance for your everyday purchases, in case the items are stolen or damaged. Purchase Protection Coverage Period as described below. And be aware of excluded purchases, too. Many or all of the products featured here are from our partners who compensate us. For most claims, you'll typically need to submit: A copy of your credit card statement with the purchase. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. 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. 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. I started a claim on Feb 11 and Uploaded the Claim Form and Store receipt on Feb 13. First, you have to have the right card. Before making a significant purchase, know the benefits of each card you could use for the purchase. 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. If you have multiple American Express cards with varying coverage limits, make sure that your large purchases are made on your cards with the largest coverage limits. 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. How do I find and add Amex Offers to my Card? Keep track of all the required documentation, such as the original store receipt or a printout of an online receipt. This compensation comes from two main sources. The card doesnt offer price protection or return protection, though. Many other issuers offer some form of damage against loss or theft for eligible items purchased with the card. This information may be different than what you see when you visit a financial institution, service provider or specific products site. More information can be found, American Express makes it easy you can file your claim. 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. $1,000 per item (or $500 per event for natural disasters).*. has been collected independently by NerdWallet . To start the process, log into your AmEx account and go to the claims center page. 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. Books, magazines or periodicals of any kind. That proof of loss depends on the circumstances. However, this card is so packed with benefits that this coverage doesn't make the card's highlights on the AmEx website. However, the damage coverage comes with several exclusions, so you may want to see if your card also offers extended warranty coverage. Earning rates: 3% cash back at U.S. supermarkets, U.S. gas stations and U.S. online retail purchases on up to $6,000 per calendar year in purchases for each category (then 1%) and 1% cash back on other purchases. Call the number on the back of your card for help if you cant find the guide to benefits. 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. Maximum coverage per purchase protection claim: $10,000. 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. Can I file an AmEx purchase protection claim if I redeemed points? To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. If you claim an item was stolen you will need a police report. You must file a claim within 30 days of loss through this link or by calling 800-228-6855. Note that purchase protection is different from. For The Platinum Card from American Express, Delta SkyMiles Reserve American Express Card, American Express Gold Card, 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. 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. The Hilton Honors American Express Business Card. 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 do so online or by calling Amex at 1-800-322-1277. Cellphone protection is available for up to $800 per claim and up to $1,000 per year for phones listed on a monthly cellphone billed paid with the Freedom Flex card. $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. 2023 American Express. Are you sure you want to rest your choices? To file a claim with Amex purchase protection, you can do so online or by calling 800-228-6855. 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. Do balance transfers affect your credit score? Purchase protection will reimburse you for theft, loss or accidental damage to eligible items that occurred within 90 days of purchase. Your financial situation is unique and the products and services we review may not be right for your circumstances. AmEx purchase protection is complimentary coverage provided on most AmEx cards that covers theft, loss and damage to eligible items within the first 90 days of purchase. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. Ben Luthi is a former credit card specialist for NerdWallet. 3% cash back on groceries at U.S. supermarkets , U.S. gas stations and U.S. online retail purchases on up to $6,000 per calendar year in purchases for each category (then 1%), plus 1% cash back on other purchases. Purchases must be made in the U.S. or its territories, Send Money & Split Purchases: Venmo and PayPal, Credit Intel Financial Education Center. when you need coverage is essential. So, checking the terms for your AmEx card when you need coverage is essential. We'd love to hear from you, please enter your comments. Its smart technology that helps us make sure its really you when shopping online. When deciding which travel rewards card to use for large purchases, its important to look beyond the points and miles you earn. Once American Express has all the information needed to process your claim, theyll notify you via email once a decision has been made. 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. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. Learn more: The best travel credit cards right now. Several credit cards offer purchase protection, which acts as insurance against an item being stolen or damaged for a certain period of time after you buy it. The material made available for you on this website, Credit Intel, is for informational purposes only and is not intended to provide legal, tax or financial advice. Enrollment required. As with any insurance or coverage product, AmEx purchase protection comes with limitations and exclusions. |F\ba9F ~Zh1m$5(9=H$3wxMd/L}hLXI=eO*"Z:#x&OpDZH~}7~H{h9uqGM_)J'p3TFE3H8Z;t You would only be reimbursed up to the amount charged on the card. Compact discs, digital video discs, mini discs, audiotapes and videotapes. 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.

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