Click "file a claim" and select the card for which you're filing a claim, enter your date of purchase and click "continue.". 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. Welcome bonus: Earn $900 cash back after you spend $6,000 on purchases in the first three months of account opening. 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. However, Ive filed two claims with Amex in the past; in both cases, I was pleasantly surprised at how quick and easy the process was. Coverage can vary based on your state of residence, though, and bonus categories sometimes have caps. |F\ba9F ~Zh1m$5(9=H$3wxMd/L}hLXI=eO*"Z:#x&OpDZH~}7~H{h9uqGM_)J'p3TFE3H8Z;t 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. Books, magazines or periodicals of any kind. Here is a list of our partners and here's how we make money. 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. This card has the brawn to handle just about all of your credit card spending needs without an over-inflated price tag. Any other documentation needed to substantiate your claim. Here are our picks for the best travel credit cards of 2023, including those best for: Flexibility, point transfers and a large bonus: Chase Sapphire Preferred Card, No annual fee: Bank of America Travel Rewards credit card, Flat-rate travel rewards: Capital One Venture Rewards Credit Card, Bonus travel rewards and high-end perks: Chase Sapphire Reserve, Luxury perks: The Platinum Card from American Express, Business travelers: Ink Business Preferred Credit Card, About the author: JT Genter is a freelance points, miles and credit card writer formerly of The Points Guy. 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. Eligible American Express cardholders can get reimbursed up to $1,000 or $10,000 per item (depending on the card) and up to $50,000 per cardholder. Delta SkyMiles Platinum Business American Express Card: $15 back per month on U.S . Offer ends 3/29/23. The Forbes Advisor editorial team is independent and objective. Health care items and/or medical equipment. Covered Eligible Purchases are items bought with your Eligible Card and are covered for the first 90 days after the day of purchase. The Hilton Honors American Express Business Card. 3 yr. ago. 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. 2 points per dollar on flights booked directly with United, dining and hotel stays when booked directly with the hotel; 1 point per dollar on other purchases. Coverage applies for 90 days after purchasing the item. Delta SkyMiles Blue American Express Card. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). All financial products, shopping products and services are presented without warranty. So, checking the terms for your AmEx card when you need coverage is essential. Personal cards with purchase protections from AmEx include: The Platinum Card from American Express. 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. To file a claim with Amex purchase protection, you can do so online or by calling 800-228-6855. Our partners cannot pay us to guarantee favorable reviews of their products or services. So, forgetful consumers may want to put their purchases on one of American Express' premium cards that include lost items under the Amex purchase protection benefit. Check your benefits guide for complete details. The Amex EveryDay Preferred Credit Card from American Express is no longer available through NerdWallet. The card details on this page have not been reviewed or provided by the card issuer. In the event of theft, you must also include a copy of a police report. 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% on travel purchased through Chase Ultimate Rewards, 3% on dining and drugstores and 1% on all other purchases. An increasing number of brick-and-mortar retailers (from The Home Depot to the Apple Store) will now email you a receipt from the register. Failing that, I also can search my order history at Amazon, eBay and other online retailers I use. Many or all of the products featured here are from our partners who compensate us. If submitting a claim by phone, you will be asked certain questions about your claim. Create an account to follow your favorite communities and start taking part in conversations. * Eligibility and benefit levels vary by card. How To Find The Cheapest Travel Insurance. The best credit cards for travel insurance benefits. ;*KLjmNT Credit cards vary in the amount and duration of coverage provided, so make sure to read the terms and conditions. 2023 American Express. These online records helped me file my Amex claims quickly, rather than digging through a shoebox full of paper receipts. Maximum coverage per account for purchase protection: $50,000 per card per calendar year. American Express Purchase Protection Explained - Mile Writer Welcome bonus: Earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first six months of card membership. Delta SkyMiles Platinum Business American Express Card. JT Genter is a freelance points, miles and credit card writer formerly of The Points Guy. Underwritten by AMEX Assurance Company.. There are more than a dozen personal cards that offer $10,000 in purchase protection coverage per item. The claim should be provided within thirty (30) days of the loss or as soon as reasonably possible. As with any insurance or coverage product, AmEx purchase protection comes with limitations and exclusions. Amex Purchase Protection Benefits | The Ascent - The Motley Fool This benefit offers cardholders compensation when a store will not accept an eligible item for return within 90 days of purchase. 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 . We may receive compensation when you click on links to those products. This guide will describe the basics of credit card purchase protection and detail the credit cards that offer the best coverage. 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. All policies have a maximum limit of $50,000 in claims per calendar year. Plus, AmEx can change the coverage at any time. Several credit cards may even provide protection if you lose a recently-purchased item. You must file a claim within 30 days of loss through this link or by calling 800-228-6855. Pre-qualified offers are not binding. You will need to provide American Express with the original store receipt or a printout of an online receipt. Earn 4X Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Eligibility and Benefit level varies by Card. Buts its still "status open" now and have no update. 0 To provide notice you can call Amex at the following phone number: 1-800-322-1277 or, if from overseas, by calling collect 1-303-273- 6498. However, this card is so packed with benefits that this coverage doesn't make the card's highlights on the AmEx website. Purchase protection offers short-term insurance for your everyday purchases, in case the items are stolen or damaged. is a location independent digital nomad who has traveled full time since June 2017. Policies are underwritten by AMEX Assurance Company. Delta SkyMiles Gold Business American Express Card. Here is a list of our partners. Earn 60,000 Membership Rewards points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership. Our points-obsessed staff uses a plethora of credit cards on a daily basis. Not if you used the right credit card to make the purchase. If you have an item that was damaged or stolen shortly after you purchased it, it can be worth checking the guide to benefits of the card you used to purchase that item to see if a form of purchase protection applies. You must provide an original store receipt (or a printout of an online receipt). Choose the color that suits your style. Be sure to check your cardholder agreement for your specific benefits. All Credit Intelcontent is written by freelance authors and commissioned and paid for by American Express. 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. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. This post contains references to products from one or more of our advertisers. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. Using The American Express Platinum Purchase Protection: Swimwear Related: Everything you need to know about Amex purchase protection. Not a Cardmember yet? Other shopping protections: The extended warranty protection extends eligible manufacturers warranties of three years or less by one additional year. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. Welcome bonus: Earn $200 cash back after spending $500 on purchases in your first three months of account opening. Reddit and its partners use cookies and similar technologies to provide you with a better experience. diamondsaremadeunder 3 yr. ago. 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. Terms apply. Amex Purchase Protection Claim takes so long I have never use Amex Claim before and I lost my laptop recently on public transit which cost me about $2K lost. So how do we make money? Related: Why I switched from the Chase Freedom to the Chase Freedom Flex. Hilton Honors American Express Surpass Card. 4. 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. 14 points per dollar at eligible Hilton properties; 7 points per dollar on flights booked directly with airlines or through Amex Travel; 7 points per dollar on car rentals booked directly from select car rental companies and at U.S. restaurants; 3 points per dollar on other purchases. Find the right card for you. 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. Chase, for example, offers purchase protection for up to 120 days on the Chase Freedom Unlimited, Chase Freedom Flex* and Chase Sapphire Preferred Card and Chase Sapphire Reserve. Provided you purchased them less than 90 days ago you should be covered. Maximum coverage per purchase protection claim: $500. All rights reserved, How American Express Purchase Protection Works, Purchase Protection can cover the cost of lifes uh-oh moments, so you can be more confident when buying with your Eligible Card. Aaron is an avid global traveler and miles and points enthusiast. Related: These are the cards TPG staff reach for in case of emergency. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. For example Mastercard offers Purchase Assurance to many Mastercard holders. Earn 4X Membership Rewards Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). has been a Senior Points and Miles Contributor for TPG since 2012. How do I Redeem Membership Rewards Points. 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. 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. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x), 3x on flights booked directly with the airline or with Amex Travel, Welcome bonus of 60,000 points after spending $4,000 in the first six months, Weak on travel outside of flights and everyday spending bonus categories. 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? NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. This influences which products we write about and where and how the product appears on a page. update? You can do so online or by calling Amex at 1-800-322-1277. Amex purchase protection lasts for 90 days from the purchase date. Can You Get a Credit Card Without a Social Security Number? Do balance transfers affect your credit score? NerdWallet strives to keep its information accurate and up to date. Related: The best credit cards with price protection. Improve earnings, maximize rewards and track progress toward dream trips. American Express processes claims more quickly than some other issuers. By Cristina Gibson | American ExpressCredit IntelFreelance Contributor. How Amex Platinum Price Protection Works - WalletHub Dozens of AmEx cards offer purchase protection benefits. American Express Purchase Protection: Everything You Need To Know 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. Please read important exclusions and restrictions. However, the purchase protection coverage amounts and limitations vary between AmEx cards. Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased through. **, Morgan Stanley Blue Cash Preferred American Express Card.**. Some issuers also refer to this benefit as purchase security. Anything purchased for resale or commercial use. Return Protection1 When you charge a Covered Purchase to your Eligible Card, you can be reimbursed for up to 90 days from the date of purchase if the item is stolen or accidentally damaged. 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. Purchase protection benefits offered by credit cards often differ in three main aspects: Related: Purchase protection saved us $1,700 a reader success story. Often, you will get a response to your initial claim inquiry within 48 hours. Terms, conditions and limitations apply. AmEx purchase protection covers lost, stolen or damaged items within the first 90 days after purchase. When evaluating offers, please review the financial institutions Terms and Conditions. Delta SkyMiles Reserve Business American Express Card. Also, note that some losses are excluded such as if you left the item in an unlocked car. Earn a $200 bonus after spending $500 on purchases in your first 3 months from account opening. 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. This information may be different than what you see when you visit a financial institution, service provider or specific products site. This card might not be the right fit if you're looking for price protection or earning more than 1 point per dollar spent on most purchases that are eligible for purchase protection. TPG values this bonus at $1,200. Terms and conditions will apply. As with any insurance or coverage product, AmEx purchase protection comes with limitations and exclusions. When you purchase an item with a manufacturer's warranty, this benefit can add an extra year to the warranty. Finally, be diligent, complete and timely when you file your claims. Purchase Protection is amazing (Plat) Had a great experience with Amex Purchase Protection on the Plat. Amex Platinum Shopping Benefits: Purchase Protection, Credits and More Shopping Protection | American Express US All financial products, shopping products and services are presented without warranty. Check here before booking an award fare. Do not sell or share my personal information. Her focus at TPG is points, miles, loyalty and credit cards. To be eligible, you must pay for the entire cost of the item with your eligible American Express card, and purchases must be made in the U.S. or U.S. territories.^. 11. ghedoicy. When evaluating offers, please review the financial institutions Terms and Conditions. Maximum coverage per account for purchase protection: $50,000. 3 points per dollar on travel, shipping, internet services, cable services, phone services and advertising with social media sites/search engines (on the first $150,000 in combined purchases each account anniversary year, then 1 point per dollar); 1 point per dollar on other purchases. 961 0 obj <> endobj I definitely lean toward my Amex card when I buy a television, computer or a major appliance that can be costly to repair even if it means sacrificing bonus points. Many popular rewards credit cards come with generous welcome offers and useful benefits to attract consumers. Purchase protection doesnt require any registration in advance. You can also mail them at: Purchase Protection Claims Unit, PO Box 981553 El Paso TX 79998- 9920. Compare the cost in points or miles to cash, and see which option is best. Purchase protection covers items you want to keep; return protection covers items you don't want to keep where the store won't accept a return. Posts: 13,805. *Eligibility and benefit levels vary by card. Call the number on the back of your card if you have any questions regarding eligibility, the documentation needed or the process required to file a claim. For an explanation of our Advertising Policy, visit. Here are our picks for the. American Express Purchase Protection - FlyerTalk Forums Our opinions are our own. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. 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. 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. The first claim was for a childs bicycle seat that was supposed to mount on my bikes handlebars. 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. It can help protect Covered Purchases made on your Eligible Card when theyre accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. Business cards are no exception. $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. Please visit americanexpress.com/benefitsguide for more details. Credit Card Purchase Protection Explained - ValuePenguin The material made available for you on this website, Send Money & Split Purchases: Venmo and PayPal, Credit Intel Financial Education Center. Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. 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.*. Once youve submitted the necessary supporting documents, American Express will send you an email confirmation stating your documents were received. Learn more: The best travel credit cards right now. Instead, check the benefits guide to see the card's purchase protection coverage. Terms apply. Earning rates: 4 points per dollar spent at restaurants and on the first $25,000 spent at U.S. supermarkets each calendar year (then 1 per dollar); 3 points per dollar spent on flights booked directly with airlines or on Amex Travel; 1 point per dollar spent on other purchases. The Centurion Card from American Express and The Business Centurion Card from American Express. For return protection, you have to file a claim within 90 days of your original purchase.. Enrollment required. Furthermore, there are only two American Express business cards that include purchase protection benefits* for lost items, which are also the Delta SkyMiles Reserve Business American Express Card and The Business Platinum Card from American Express. This information may be different than what you see when you visit a financial institution, service provider or specific products site. 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. 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. Its easy to write off these policies as being too much of a hassle or, conversely, being too good to be true. How to Freeze an American Express Platinum Card - WalletHub If an item is broken, take pictures to document the broken item and make sure that you keep the broken item until either it is requested by American Express or your claim is paid and closed. When deciding which travel rewards card to use for large purchases, its important to look beyond the points and miles you earn. Here is a list of our partners and here's how we make money. 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. Editors note: This is a recurring post, regularly updated with new information. American Express removed this perk from most of its cards effective at the start of 2020. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. Plus, this card doesnt exclude lost or misplaced items and is great for foodies, due to its bonus-earning categories and monthly spending credits with restaurants and Uber/Uber Eats. Select "purchase protection" on the next page and continue the process. For an explanation of our Advertising Policy, visit. To start the process, log into your AmEx account and go to the claims center page. Cash and its equivalent (including, but not limited to, gift cards and gift certificates). ^ Eligibility and benefit levels vary by card. Items voluntarily or involuntarily discarded. $10,000 per claim, $50,000 per year for the American Express Gold Card, The Platinum Card from American Express and Delta SkyMiles Reserve American Express Card cardholders I was notified about a week later that my claim had been accepted, and I was issued a statement credit for the purchase price. Coverage is limited to the amount charged to your card, up to $10,000 per item and $50,000 per card each calendar year.^. If filing online, you will be prompted to submit required documents to support your claim. Information provided on Forbes Advisor is for educational purposes only. Many or all of the products featured here are from our partners who compensate us. The American Express Platinum cards are eligible for American Express Purchase Protection. $1,000 per item (or $500 per event for natural disasters).*. In this post, Ill look at the three different shopping protection policies offered by many American Express cards and explain how you can leverage these benefits to save money. You can view the full list of cards here. To be eligible, all you have to do is charge a portion of your qualifying purchase to your American Express card but you'll only be reimbursed up to the amount charged to your card. American Express Platinum Lost Card - WalletHub Services and additional costs, such as installation charges, warranties, shipping, handling and memberships. Sometimes called damage protection, purchase protection ensures goods against theft or accidental damage for a limited time. This compensation comes from two main sources. Most Cards allow up to $1,000 per incident, with a limit of $50,000 per year. Welcome bonus: Earn 60,000 Membership Rewards points after spending $4,000 on purchases on your new card in your first six months of card membership. *Benefits may vary by issuer. Extended Warranty benefits extend your manufacturers warranty coverage, often by as much as a year. This purchase protection product covers damage and theft, but only up to $500 per claim and $50,000 per account. Amex adds new cell phone protection benefit - The Points Guy Heres what you need to know about foreign transaction fees what they are and how to avoid them. Plus, AmEx can change the coverage at any time. Quote: Originally Posted by JeffD. Ben is a former credit card specialist for NerdWallet who wrote card reviews and comparisons and covered credit-related issues affecting consumers. Negotiable instruments including travelers' checks and gift cards. Thankfully, its really easy to search my email inbox to find receipts for everything Ive bought online. Yes, cardmembers of the American Express Gold Card are covered by AmEx's purchase protection coverage. The information for the Amex Green Card has been collected independently by The Points Guy. Business fixtures including air conditioners, refrigerators and heaters. Best card for premium perks while traveling, Capital One Venture X Rewards Credit Card, The Business Platinum Card from American Express, Disney Cruise Lines Castaway Club loyalty program: Everything you need to know, 21 new Hyatt hotels where you can get 500 extra points per night, My first cruise to the Galapagos: The good, the bad and the absolutely adorable.
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