Dozens of cards offer this benefit. You will be asked certain questions about your claim at that time. This benefit is limited to $1,000 annually. This coverage is complimentary on most AmEx cards including some debit, prepaid and reloadable AmEx cards. When you purchase an item with a manufacturer's warranty, this benefit can add an extra year to the warranty. Amex purchase protection covers new purchases that are damaged, stolen, or lost within the first 90 days. Our partners compensate us. The first claim was for a childs bicycle seat that was supposed to mount on my bikes handlebars. 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. Explore our Cards Terms and Conditions Remember that only purchases made with your eligible American Express card and only the amount charged to your card are eligible for purchase protection. Items purchased for professional or commercial use such as education, training or skills. Coverage Limits Apply. For return protection, you have to file a claim within 90 days of your original purchase. You can view the full extended warranty policy for each card. Purchase Protection is underwritten by AMEX Assurance Company. Objects such as motorized vehicles, artwork, gift cards and perishable items like perfume, food, light bulbs and batteries are all typically ineligible for purchase protection coverage. We may receive compensation when you click on links to those products. of Please visit americanexpress.com/benefitsguide for more details. If there is a chance that an item might get broken or stolen, make sure that it is charged to your eligible American Express card. Many or all of the offers on this site are from companies from which Insider receives compensation (for a full list. Fortunately, in many places, you dont need to go down to the local police precinct as many cities have an online portal to submit reports for incidents like theft, lost property or damage to property. * Eligibility and benefit levels vary by card. If your card includes American Express return protection, Amex will refund up to $300 per item, including shipping and handling charges. With this benefit, you're able to claim up to a. How can I check the status of a claim? - American Express American Express Gold Purchase Protection Explained Go to the Amex extended warranty claims webpage to file online. All Rights Reserved. As a digital nomad for nearly five years, JT proves through experience that credit card rewards can drastically reduce the cost of travel. Enrollment required. Beyond glamorous perks like airport lounge access and annual statement credits, American Express cards offer several valuable benefits that can protect your purchases. Related: Best credit cards for extended warranties. This information may be different than what you see when you visit a financial institution, service provider or specific products site. We'd love to hear from you, please enter your comments. 5 Stars. You want a travel credit card that prioritizes whats important to you. Many Amex cards offer purchase protection but coverage limits vary. **, Morgan Stanley Blue Cash Preferred American Express Card.**. The claim should be provided within thirty (30) days of the loss or as soon as reasonably possible. . 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). Terms, conditions and limitations 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. JavaScript must be enabled to experience the American Express website and to log in to your account. 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. Don't you wish you could take a peek inside a credit card expert's wallet sometimes? More information can be found, American Express makes it easy you can file your claim. The Blue Business Plus Credit Card from American Express. Purchases must be made in the U.S. or its territories1. has been a Senior Points and Miles Contributor for TPG since 2012. All rights reserved. Other business cards only offer coverage for damaged or stolen items on purchase protection claims. Best Mortgage Lenders for First-Time Homebuyers. 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). . Claim processing and payment is usually complete within 30 days. The Centurion Card from American Express** and The Business Centurion Card from American Express. However, there are varying levels of protection. Phone fell out of my pocket getting out of the car and cracked the rear glass. You must file a claim within 90 days of your original purchase through this link or by calling 800-228-6855. If the merchant can not issue you a refund, you can ask American Express to reimburse you for the total cost of the . Select the Card below to read the full Policy for Extended Warranty related to that Card. To file an American Express return protection claim . Terms apply. * 5 Stars, 80,000 Membership Rewards Points after spending $6,000 on purchases on the Card in the first six months of card membership. . Terms apply for all cards in the below table. You can also mail them at: Purchase Protection Claims Unit, PO Box 981553 El Paso TX 79998- 9920. Pre-qualified offers are not binding. For example, the Blue Cash Everyday Card from American Express and Amex EveryDay Credit Card* credit cards carry up to $1,000 coverage per incident, up to $50,000 per card member account per calendar year (Terms apply.). AmEx purchase protection generally covers theft, loss and damage to eligible items within 90 days of purchase. *Eligibility and Benefit level varies by Card. . If necessary, American Express will send you claim forms to complete. Finally, its not that hard to snap a photo of a receipt and retain it in your smartphones cloud storage archive for many years. Select the Card below to read the full terms and conditions for Return Protection related to that Card. Authorized users are also covered. 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. All consumer American Express cards offer purchase protection for eligible purchases. Items damaged by natural disasters are subject to different terms and limits notated in each cards terms and conditions. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card. Amex adds cell phone protection benefit -- check to see if your card is You must file a claim within 30 days of loss through this link or by calling 800-228-6855. There is, however, a higher maximum of $10,000 per claim with several premium American Express cards. Compare the cost in points or miles to cash, and see which option is best. If you'd. (If Amex doesn't ask for the item back, you can donate or discard it.). If you have questions, please consult your own professional legal, tax and financial advisors. Forbes Advisor created additional star ratings so that you can see the best card for specific needs. <>>> See if Youre Pre-Qualified, Credit Intel Financial Education Center. 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. 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. Shop moreconfidently with your Card knowing we have your back. If you'd rather file a purchase protection claim by phone, call 1-800-228-6855. Click "File a Claim," then provide the required information. How to File an Amex Gold card Purchase Protection Claim. The Amex EveryDay Preferred Credit Card from American Express is no longer available through NerdWallet. All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. 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. Worry less. Select categories from the drop-down menus and then fill in the merchant, manufacturer, purchase date, and price. If an eligible item is lost, accidentally broken, or stolen within 90 days of the purchase date, Amex may reimburse its value. After working as a tax accountant for a decade, JT turned his analytical skills to points, miles and credit cards. Now there are even more places your Platinum Card can get you complimentary entry and exclusive perks. 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. As with any insurance or coverage product, AmEx purchase protection comes with limitations and exclusions. Check your eligibility here. Get started here: To file an Amex purchase protection claim, visit americanexpress.com/onlineclaim. Coverage for loss, theft, or damage is provided for up to 90 days from the date of purchase. out Purchase Protection: Which Credit Cards Cover Your Belongings Click "file a claim" and select the card for which you're filing a claim, enter your date of purchase and click "continue.". On the Amex Platinum, purchases of up to $10,000 per incident are protected against damage, loss or theft for up to 90 days. All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. Check your benefits guide for complete details. All policies have a maximum limit of $50,000 in claims per calendar year. The Hilton Honors American Express Business Card. If you don't receive claim forms within 15 days, you can provide a letter describing the circumstances of your claim. Cash and its equivalent (including, but not limited to, gift cards and gift certificates). 4 0 obj However, this card is so packed with benefits that this coverage doesn't make the card's highlights on the AmEx website. Delta SkyMiles Platinum Business American Express Card. JT Genter is a freelance points, miles and credit card writer formerly of The Points Guy. CLAIM NUMBER (NUMERIC-PART ONLY) DOCUMENT UPLOAD NUMBER Are you a robot? I confess that I dont save a copy of the register receipt from every purchase I make Im just not that organized. Terms apply. The following are ineligible for coverage: Also excluded is loss or damage due to any of the following reasons: Additionally, the maximum protection related to a natural disaster is $500. Please read important exclusions and restrictions. For example, if you have an American Express card, the chances are that card provides AmEx purchase protection. 1 CLAIM DETAILS 2 DOCUMENT LIST Enter your claim details. There are also coverage limits, which depend on the card that you have. For information on coverage limits and what's not covered, review your card's guide to benefits. The Ascent does not cover all offers on the market. American Express | Membership Rewards - American Express Purchase Protection - I had a claim last year where the damage was sustained on the 89th/90th day. Just to see the cards they carry? 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. Our opinions are our own. 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. All information about Amex EveryDay Credit Card has been collected independently by NerdWallet . Click "file a claim" and. How do I Earn Membership Rewards Points? Many or all of the products featured here are from our partners who compensate us. All information about Business Green Rewards Card from American Express has been collected independently by NerdWallet. 4.4 In the event of theft, you must also include a copy of a police report. Delta SkyMiles Gold American Express Card. Earn 80,000 Membership Rewards Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership. Everything you need to know about Amex purchase protection Items permanently affixed to a home, office, vehicles, etc. This purchase protection product covers damage and theft, but only up to $500 per claim and $50,000 per account. 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. How do I Redeem Membership Rewards Points. 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. Subject to additional terms, conditions and exclusions. When deciding which travel rewards card to use for large purchases, its important to look beyond the points and miles you earn. Once youve submitted the necessary supporting documents, American Express will send you an email confirmation stating your documents were received. All financial products, shopping products and services are presented without warranty. 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 will need to provide American Express with the original store receipt or a printout of an online receipt. to see if your incident is covered. 1 point per dollar on other purchases. He was born in California but currently lives as a digital nomad with a home base in Colombia. This post contains references to products from one or more of our advertisers. *Excess of 50 applies. $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. This benefit offers cardholders compensation when a store will not accept an eligible item for return within 90 days of purchase. AmEx purchase protection also doesn't cover losses when the item isn't "reasonably safeguarded" such as leaving it in an unlocked car or publicly unattended. However, most purchases made in the United States qualify for return protection. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Shopping online for a car is an accelerating trend changing the purchase process from start to finish. The best credit cards for travel insurance benefits. Had no problems at all wrt the period. If your item was stolen, you may need to show American Express a copy of the police report. Youll be asked for a copy of the receipt and your Amex purchase record. All information about The Amex EveryDay Preferred Credit Card from American Express has been collected independently by NerdWallet. Many popular rewards credit cards come with generous welcome offers and useful benefits to attract consumers. has been collected independently by NerdWallet . Its smart technology that helps us make sure its really you when shopping online. Shopping Protection | Purchase Protection Plan | Amex CA American Express purchase protection works by covering the damage or theft of eligible purchases for up to 90 days after the purchase date.