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.^. The Centurion Card from American Express** and The Business Centurion Card from American Express. American Express Purchase Protection Guide: (Claims, Forms) [2021] 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. Items purchased for professional or commercial use such as education, training or skills. Curious to hear people's stories using purchase protection with AMEX. Here's a step-by-step guide to submitting a claim for return protection through Amex. American Express removed this perk from most of its cards effective at the start of 2020. 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. The coverage maximums vary by card, though. Amex cards that offer purchase protection. 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. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. 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. However, there are varying levels of protection. He covers credit cards, loyalty programs and family travel. Purchase Protection is normally not the first benefit that comes to mind when you think of your American Express card perks. Nonetheless, this useful benefit can save you hundreds (maybe thousands) if you have the misfortune of theft or damage on a covered purchased item within 90 days of purchasing the item. has been collected independently by NerdWallet. For example, AmEx won't approve a claim for damage to an item "purchased for play." Click "File a Claim," then provide the required information. Please view our advertising policy page for more information. 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 Remember that only purchases made with your eligible American Express card and only the amount charged to your card are eligible for purchase protection. What You Should Know About Foreign Transaction Fees. Delta SkyMiles Platinum American Express Card. If the merchant can not issue you a refund, you can ask American Express to reimburse you for the total cost of the . Delta Reserve Business Card Purchase Protection Explained The card details on this page have not been reviewed or provided by the card issuer. Are you sure you want to rest your choices? 1 point per dollar on other purchases. 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. 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. Please review. Pre-qualified offers are not binding. As always, check your credit cards guide to benefits to see which benefits apply to you. 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. 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. The Amex EveryDay Preferred Credit Card from American Express. Improve earnings, maximize rewards and track progress toward dream trips. This compensation comes from two main sources. If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience. Log in to your American Express account. 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. You will be asked for a copy of the receipt, your Amex purchase record and the original warranty. 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. Which cards have AmEx purchase protection? This information may be different than what you see when you visit a financial institution, service provider or specific products site. $189 CLEAR Credit: Breeze through security with CLEAR Plus at 45+ airports nationwide and get up to $189 back per year on your membership (subject to auto-renewal) when you use your Card. Is The White Lotus breaking up with Four Seasons ahead of Season 3? Next article If I have a problem or concern about my claim or the insurance coverage who should I contact? Earn 70,000 Bonus Miles after spending $5,000 in purchases on your new Card in your first 3 months of Card Membership. This is just one scoring method and a credit card issuer may use another method when considering your application. Instead, check the benefits guide to see the card's purchase protection coverage. Cash and its equivalent (including, but not limited to, gift cards and gift certificates). This post contains references to products from one or more of our advertisers. Please visit americanexpress.com/benefitsguide for more details. Negotiable instruments including travelers' checks and gift cards. 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. AMERICAN EXPRESS AMEX ASSURANCE COMPANY PO BOX 981553 EL PASO TX 79998-9920 Purchase Protection Claim Form Claim Number: SECTION 1: CARD MEMBER INFORMATION: American Express Card Account Number used to purchase the item: Card Member's Name: State: Phone Number: Email: SECTION 2: PURCHASE INFORMATION: Address: City:Zip: All information about The Amex EveryDay Preferred Credit Card from American Express has been collected independently by NerdWallet. 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. PDF Purchase Protection Claim Form ClaimNumber: SECTION - American Express If you don't receive claim forms within 15 days, you can provide a letter describing the circumstances of your claim. Thankfully, many credit cards offer so-called "purchase protection" that covers theft, damage and loss within a set time after purchase. The claim should be provided within thirty (30) days of the loss or as soon as reasonably possible. Earn 5X Membership Rewards Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards Points on prepaid hotels booked with American Express Travel. Click "file a claim" and select the card for which you're filing a claim, enter your date of purchase and click "continue.". Eligible American Express cardholders can get reimbursed up to $1,000 or $10,000 per item (depending on the . Keep in mind that we're focusing on the rewards and perks that make these credit cards great options, not things like interest rates and late fees, which will far outweigh the value of any points or miles. How can I check the status of a claim? I confess that I dont save a copy of the register receipt from every purchase I make Im just not that organized. The Forbes Advisor editorial team is independent and objective. % Since I was outside of the stores 30-day return policy but still within 90 days of purchase, I filed a return protection claim online with Amex. How do I Redeem Membership Rewards Points. Disclaimer: Amex is an Insider advertiser. Health care items and/or medical equipment. This purchase protection product covers damage and theft, but only up to $500 per claim and $50,000 per account. as well as other partner offers and accept our, 4.4 out of If I'm on Disability, Can I Still Get a Loan? The Hilton Honors American Express Business Card. All Rights Reserved. . If. How does Amex Platinum purchase protection work? Everything you need to know about American Express purchase protection 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. . For return protection, you have to file a claim within 90 days of your original purchase. Buyer's Assurance Protection Plan extends the original equipment manufacturer's basic warranty, the plan will not extend any additional coverage purchased from the manufacturer, retailer or any other source. How To Find The Cheapest Travel Insurance, Best Credit Cards For Travel Insurance Benefits, American Express Business Platinum Review, Delta SkyMiles Reserve Credit Card Review, Generous welcome offer for a no-annual-fee card, Unlimited 1.5% minimum earn rate for cash back rewards, Requires a companion card to transfer points to travel partners. Your, Some cards have return protection as an included benefit, and using this perk is especially easy with, This is a valuable benefit to keep in mind with any holiday shopping you plan to do. To start the process, log into your AmEx account and go to the claims center page. Once American Express has all the information needed to process your claim, theyll notify you via email once a decision has been made. Be the first to know if we spot anything odd or unusual on your account, thanks to our account and fraud alerts. So, you can't claim purchase protection if your baseball bat or hockey stick breaks. If the American Express card member left an item in an unlocked car and it was stolen, purchase protection wouldn't help with that. However, the purchase protection coverage amounts and limitations vary between AmEx cards. . For example, if you have an American Express card, the chances are that card provides AmEx purchase protection. No minimum to redeem for cash back. To file an Amex purchase protection claim, visit americanexpress.com/onlineclaim. $300 Equinox Credit: Get up to $300 back each year on an Equinox+ subscription, or any Equinox club memberships when you pay with your Platinum Card. All Credit Intelcontent is written by freelance authors and commissioned and paid for by American Express. Terms, Conditions and Limitations Apply. If that's what you're looking for, then travel cards are a good place to start. (If Amex doesn't ask for the item back, you can donate or discard it.). That's 6.5% on travel purchased through Chase Ultimate Rewards, 4.5% on dining and drugstores, and 3% on all other purchases. Hi everyone, I started a purchase protection claim for exercise equipment that was stolen from my 2nd home. For claims filed internationally, you can dial 1-303-273-6498. You must file a claim within 30 days of loss through this link or by calling 800-228-6855. Terms apply. You can also file a purchase protection claim over the phone by calling 1-800-228-6855. Policies are underwritten by AMEX Assurance Company. Underwritten by AMEX Assurance Company. You can view the full extended warranty policy for each card. You will likely need to produce a police report for purchase protection claims against item theft, so having this on hand can speed up the time it takes to submit and process your claim. Subject to additional terms, conditions and exclusions. To get started, you'll just need your receipt from the merchant and your American Express card statement. This benefit is limited to $1,000 annually. 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. Something went wrong. Our partners compensate us. 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. 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. Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back. Related: Best credit cards with purchase protection. Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% 28.49%. *Excess of 50 applies. Extended Warranty benefits extend your manufacturers warranty coverage, often by as much as a year. You might be using an unsupported or outdated browser. Though the majority of cards within the American Express portfolio carry purchase protection as a perk, you wont get the same level of coverage from all credit cards.
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