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If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. The Blue Cash Everyday Card from American Express is good for earning 3% cash back at U.S. supermarkets (up to $6,000 per calendar year, then 1%), but shopping protection benefits arent beneficial on most supermarket purchases. Maximum coverage per purchase protection claim: $10,000 per item ($500 per event related to a natural disaster). Official application link: American Express Gold Card. Not as useful for those living outside the U.S. 5% cash back at office supply stores and internet, cable and phone services (on up to $25,000 of purchases per year, then 1%); 2% back at gas stations and restaurants (on up to $25,000 per year in purchases, then 1%); 1% back on all other purchases. The Forbes Advisor editorial team is independent and objective. Some may have trouble using Uber/food credits. Hilton Honors American Express Aspire Card is no longer available through NerdWallet. Compare the cost in points or miles to cash, and see which option is best. 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 makes it easy to file a purchase protection claim on its website. Items purchased for professional or commercial use such as education, training or skills. 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. The Platinum also offers 90 days of return protection, up to $300 per item. All financial products, shopping products and services are presented without warranty. 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. Your financial situation is unique and the products and services we review may not be right for your circumstances. The Blue Business Plus Credit Card from American Express. 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. For an explanation of our Advertising Policy, visit. Also, if it was gone 30 minutes later, it was stolen. Coverage applies for 90 days after purchasing the item. Other shopping protections: The extended warranty protection extends eligible manufacturers warranties of three years or less by one additional year. 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. Consumable or perishable items like food and batteries. Extended Warranty benefits extend your manufacturers warranty coverage, often by as much as a year. Finally, some American Express cards offer purchase protection even when you lose a recently-purchased item. Finally, its not that hard to snap a photo of a receipt and retain it in your smartphones cloud storage archive for many years. **, Morgan Stanley Blue Cash Preferred American Express Card.**. Note that purchase protection is different from price protection and extended warranty coverage, other credit card benefits you might be eligible for. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Its easy to write off these policies as being too much of a hassle or, conversely, being too good to be true. Battle of the premium travel rewards cards which is best for you? Instead, check the benefits guide to see the card's purchase protection coverage. 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. Dozens of cards offer this benefit. Our points-obsessed staff uses a plethora of credit cards on a daily basis. 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 credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. This guide will describe the basics of credit card purchase protection and detail the credit cards that offer the best coverage. These are provided as guidelines only and approval is not guaranteed. Other business cards only offer coverage for damaged or stolen items on purchase protection claims. 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. The extended warranty period is an additional year and is limited to covering the actual purchase amount paid for with your card. The following items are excluded from this policy: See the entire return protection policy for your card here. 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. , AmEx purchase protection only covers a maximum of $500 in claims per event. 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. Official application link: Ink Business Cash Credit Card. Terms, Conditions and Limitations Apply. For full Terms and Conditions, see www.americanexpress.com/PPterms. To view rates and fees of the Delta SkyMiles Reserve American Express Card, see this page. Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased through. All information about Business Green Rewards Card from American Express has been collected independently by NerdWallet. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. However, these cards didnt make the list because at least one card discussed above featured similar or better purchase protection with either a lower annual fee or better earning rate on categories where youd most likely need purchase protection. Paired with up to $120 in Uber Cash (for U.S. Uber rides or Uber Eats orders) and up to $120 in annual dining statement credits at eligible partners, there's no reason that the foodie shouldn't add this card to their wallet. when you need coverage is essential. Youll be asked for a copy of the receipt and your Amex purchase record. Amex Platinum Lost Item Purchase Protection Question So I recently. While extended warranty coverage offers more comprehensive damage protection, purchase protection gives you more protection in case of theft. This influences which products we write about and where and how the product appears on a page. However, if your item is just lost or missing, you wont need a police report. Coverage Limits Apply. Visit americanexpress.com/benefitsguide for details. hbbd``b`@/P k ";d100O@ T9 3 American Express consumer cards all offer purchase protections for eligible purchases for 90 days from the date of purchase to file a claim. Marriott Bonvoy Brilliant American Express Card. Negotiable instruments, such as stamps and travelers' checks. So how do we make money? Something went wrong. From broken laptops and phones to delivered packages nabbed from the front porch, when you make a Covered Eligible Purchase with your Eligible American Express Card, you can rest easy knowing that you may be protected up to $1,000 per incident (for some Cards you may be protected up to $10,000 per incident) when the unexpected strikes. Depending on the credit card, the coverage amount and the duration of the protection may differ. The Points Guy, Forbes Advisor, AwardWallet, LendingTree. Thankfully, many credit cards offer so-called "purchase protection" that covers theft, damage and loss within a set time after purchase. Items permanently affixed to a home, office, vehicles, etc. Some issuers also refer to this benefit as purchase security. 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. You will be asked certain questions about your claim at that time. Welcome bonus: Earn $200 cash back after spending $500 on purchases in your first three months of account opening. |F\ba9F ~Zh1m$5(9=H$3wxMd/L}hLXI=eO*"Z:#x&OpDZH~}7~H{h9uqGM_)J'p3TFE3H8Z;t For most people, the purchase protection benefit offered by some credit cards flies under the radar. Shop more. Related: Your complete guide to shopping protections on American Express cards. Our opinions are our own. Related: Everything you need to know about Amex purchase protection. Posts: 13,805. Terms apply. Purchase protection doesnt require any registration in advance. 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). Personal cards with purchase protections from AmEx include: The Platinum Card from American Express. So, you can't claim purchase protection if your baseball bat or hockey stick breaks. Visit americanexpress.com/benefitsguide for details. Compact discs, digital video discs, mini discs, audiotapes and videotapes. In the case of a damage claim, you may need to send in the broken item. Each category has certain conditions attached to it. 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. Policies are underwritten by AMEX Assurance Company. Do not sell or share my personal information. All Rights Reserved. Related: These are the cards TPG staff reach for in case of emergency. Our partners compensate us. Remember that only purchases made with your eligible American Express card and only the amount charged to your card are eligible for purchase protection. *Benefits may vary by issuer. This site does not include all credit card companies or all available credit card offers. The coverage maximum with most American . You must file a claim within 30 days of your covered loss and you can do so online or by calling 800-228-6855. Cash and its equivalent (including, but not limited to, gift cards and gift certificates). Card Rating is based on the opinion of TPGs editors and is not influenced by the card issuer. Create an account to follow your favorite communities and start taking part in conversations. Please visit americanexpress.com/benefitsguide for more details. You must file a claim within 30 days of loss through this link or by calling 800-228-6855. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. For example, The Platinum Card from American Express and other cards offer purchase protection, which can reimburse you if a covered item is stolen or damaged within a specified window of time . * Eligibility and benefit levels vary by card. Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased throughRead More. Purchase Protection can 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. Terms, Conditions and Limitations Apply. If filing a damaged or stolen item claim, you may be asked to demonstrate a photograph showing the damage to your item. And extended warranty protection offers one full year of coverage at $10,000 per item and up to $ . Almost every American Express credit and charge card offers purchase protection of some degree. Plus, your own feed of TPG content. For Capital One products listed on this page, some of the above benefits are provided by Visa or Mastercard and may vary by product. If you claim an item was stolen you will need a police report. Pre-qualified offers are not binding. 5% cash back on up to $1,500 in combined purchases in rotating bonus categories each quarter (requires activation) and on travel booked through the. Delta SkyMiles Platinum Business American Express Card. endstream endobj startxref Each eligible AmEx card is covered for up to $50,000 in claims per year. The Platinum Card, Gold Card, Delta SkyMiles Reserve Card, Hilton Aspire Card, and Marriott Bonvoy Brilliant Card are just a few examples. Purchase protection offers short-term insurance for your everyday purchases, in case the items are stolen or damaged. So I recently. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. 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. Find the right card for you. 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. Although this guide focuses on purchase protection, you should also consider benefits like return protection, price protection and extended warranty. Policies are underwritten by AMEX Assurance Company. Purchase protection can save your skin and protect the items you've purchased if a recently-bought item is damaged or stolen. Our partners cannot pay us to guarantee favorable reviews of their products or services. 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. There are important terms to follow for this benefit, such as the length of time from the purchase date for which coverage is offered, how to submit claims and even the maximum coverage amount provided by your credit card. In addition to stolen and damaged items, AmEx purchase protection also covers items lost within the coverage period. Terms apply. American Express is the industry leader amongst credit card issuers offering purchase protection to its customers due to its generous terms and simple claim process. This is just one scoring method and a credit card issuer may use another method when considering your application. Earning rates: 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year (then 1% back); 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year (then 1% back); 1% cash back on all other purchases. Does AmEx purchase protection cover lost items? This influences which products we write about and where and how the product appears on a page. The American Express Platinum card purchase protection insures items bought with this card for up to $10,000 per incident and $50,000 per account per year. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. About the author: Ben Luthi is a former credit card specialist for NerdWallet. Best card for premium perks while traveling, Capital One Venture X Rewards Credit Card, The Business Platinum Card from American Express, Quick Points: Hyatt Globalists get free parking on award stays, What are points and miles worth? 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. This post contains references to products from one or more of our advertisers. 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. You want a travel credit card that prioritizes whats important to you. * Eligibility and benefit levels vary by card. Purchase Protection often covers loss, damage and theft for a short period of time, usually a few months, after purchase. The information for the Hilton Aspire Amex card has been collected independently by The Points Guy. 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.*. Flexibility, point transfers and a large bonus: Bank of America Travel Rewards credit card. this adds to already-existing purchase protection and extended warranty . 961 0 obj <> endobj American Express is a financial services company that offers credit cards, debit cards, charge cards and travel services. The card details on this page have not been reviewed or provided by the card issuer. I started a claim on Feb 11 and Uploaded the Claim Form and Store receipt on Feb 13. Here, you'll need to provide a copy of the purchase receipt and proof of loss. 3 yr. ago. You want a travel credit card that prioritizes whats important to you. Dozens of AmEx cards offer purchase protection benefits. The Amex EveryDay Preferred Credit Card from American Express is no longer available through NerdWallet. Terms apply to the offers listed on this page. I have the Platinum card so would this be covered under lost item protection or would I be SOL? All information about Hilton Honors American Express Aspire Card has been collected independently by NerdWallet. Reply FitYNABer Additional comment actions AMEX Purchase Protection is AWESOME! However, this card doesnt offer extended warranty or return protection. With purchase protection, you can file a claim to be reimbursed for any eligible item you bought with The Platinum Card from American Express if . However, this card is so packed with benefits that this coverage doesn't make the card's highlights on the AmEx website. Purchase Protection can cover the cost of lifes uh-oh moments, so you can be more confident when buying with your Eligible Card. ^ Eligibility and benefit levels vary by card. If you have questions, please consult your own professional legal, tax and financial advisors. Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 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. The other card networks often offer their own purchase protections as part of their network affiliation. 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. Hilton Honors American Express Aspire Card. Business Green Rewards Card from American Express is no longer available through NerdWallet. Shop moreconfidently with your Card knowing we have your back. Other shopping protections: Extended warranty protection offers one additional year of coverage for items with an original manufacturers warranty of five years or less. Big spenders should note that the purchase protection on The Platinum Card from American Express only covers up to $10,000 per covered purchase. 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. 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. The card has an annual fee of $0, yet comes with a pumped-up earnings structure that covers a wide swath of expenses including travel, drugstores and dining plus rotating quarterly bonus categories in areas many households are likely to find appealing. To start the process, log into your AmEx account and, Like insurance, purchase protection is one of those things that you hope you never have to use. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105, Purchase Protection: Which Credit Cards Cover Your Belongings. Platinum. Official application link: Blue Cash Everyday Card from American Express. The warranty wont cover the damage, and you didnt think youd need AppleCare. Amex has you covered in that instance, too. Not a Cardmember yet? 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.