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. To file an Amex purchase protection claim, visit americanexpress.com/onlineclaim. For return protection, you have to file a claim within 90 days of your original purchase. By clicking Sign up, you agree to receive marketing emails from Insider Earn 80,000 Membership Rewards Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership. Go to the Amex extended warranty claims webpage to file online. We may receive compensation when you click on links to those products. With Amex purchase protection, eligible purchases are insured for up to 90 days against damage, theft, and loss. How to file an AmEx purchase protection claim, AmEx personal cards with purchase protection, Blue Cash Preferred Card from American Express, The Amex EveryDay Preferred Credit Card from American Express, Hilton Honors American Express Surpass Card, Hilton Honors American Express Aspire Card, Marriott Bonvoy Brilliant American Express Card, Delta SkyMiles Reserve American Express Card, Delta SkyMiles Platinum American Express Card, Delta SkyMiles Gold American Express Card, Delta SkyMiles Blue American Express Card, AmEx small business cards with purchase protection, The Business Platinum Card from American Express, The Blue Business Plus Credit Card from American Express, Business Green Rewards Card from American Express, Delta SkyMiles Platinum Business American Express Card, Delta SkyMiles Reserve Business American Express Card, Delta SkyMiles Gold Business American Express Card, The Hilton Honors American Express Business Card, Marriott Bonvoy Business American Express Card, However, the purchase protection coverage amounts and limitations vary between AmEx cards. The most common coverage amount is $1,000 per covered incident, but some premium American Express cards cover purchases. One-of-a-kind items, such as rare stamps and coins. Past performance is not indicative of future results. 2023 Forbes Media LLC. 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. To file an American Express return protection claim . Many popular rewards credit cards come with generous welcome offers and useful benefits to attract consumers. This benefit applies if you made the purchase, or at least a portion of it, with your American Express card or American Express points. Items purchased for professional or commercial use such as education, training or skills. All policies have a maximum limit of $50,000 in claims per calendar year. That proof of loss depends on the circumstances. Please review. Coverage Limits Apply. From broken laptops and phones to delivered packages nabbed from the front porch, when you make a Covered Eligible Purchase with your Eligible, 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. Anything purchased for resale or commercial use. You may also be asked to return the item to Amex, so be sure to hang onto it until your claim is resolved. Cash and cash-like items including gift certificates, stamps and coins. This is just one scoring method and a credit card issuer may use another method when considering your application. Our points-obsessed staff uses a plethora of credit cards on a daily basis. For rates and fees of the Blue Cash Preferred Card from American Express, please click here. 1 point per dollar on other purchases. Delta SkyMiles Gold American Express Card. <>>> For example Mastercard offers Purchase Assurance to many Mastercard holders. Business fixtures including air conditioners, refrigerators and heaters. So, checking the terms for your AmEx card when you need coverage is essential. American Express processes claims more quickly than some other issuers. %PDF-1.5 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. 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. has been collected independently by NerdWallet. How to File a Purchase Protection Claim with the Hilton Business Credit Card. After logging in, click "File a Claim." Go through the online claim process and provide the required information. Other categories excluded are animals, living plants, rare stamps, coins, negotiable instruments such as travelers checks, objects rented, leased or borrowed, anything purchased for resale or commercial use, permanent household items such as carpet, flooring, air conditioners and refrigerators, as well as medical or dental equipment or devices. AmEx return protection is an extended return policy covering eligible purchases. Purchases must be made in the U.S. or its territories1. The following items are excluded from this policy: See the entire return protection policy for your card here. Here, you'll need to provide a copy of the purchase receipt and proof of loss. Eligible American Express cardholders can get reimbursed up to $1,000 or $10,000 per item (depending on the card) and up to . 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. 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. 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. 3 0 obj If an item is stolen, file a police report immediately. Underwritten by AMEX Assurance Company. CLAIM NUMBER (NUMERIC-PART ONLY) DOCUMENT UPLOAD NUMBER Are you a robot? 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. The Amex EveryDay Preferred Credit Card from American Express is no longer available through NerdWallet. Terms, conditions and limitations apply. Log in to your American Express account. The Centurion Card from American Express and The Business Centurion Card from American Express. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105, The Guide to AmEx Purchase Protection on Travel Cards. Access your favorite topics in a personalized feed while you're on the go. 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. 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. Something went wrong. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. is no longer available through NerdWallet. 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. Products covered by an unconditional satisfaction guarantee. These include but are not limited to: Purchase protection doesn't cover certain types of events. Simply losing or misplacing the purchase (although the policies for the Delta Reserve, Delta Reserve Business, Hilton Aspire and all consumer versions of the Amex Platinum Card do cover lost or misplaced items). 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. Well, you can't look in anybody's wallet, but you can check out our experts' favorite credit cards. Previous article If I submit a claim and receive a benefit, does my coverage stop? Health care items and/or medical equipment. Copyright 2018 - 2023 The Ascent. Get more smart money moves straight to your inbox. 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.*. Purchase protection can save you a lot of money when something happens to a recent purchase. Authorized users are also covered. There is a maximum coverage amount of $10,000 per item and $50,000 per calendar year.*. Here is a list of our partners and here's how we make money. From bedroom furniture to clothing and cellular phones to handbags, purchase protection can be a worthwhile benefitparticularly for high-priced items. 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. Any purchase that is not in an excluded category and is made with a qualifying American Express card will receive purchase protection. The first claim was for a childs bicycle seat that was supposed to mount on my bikes handlebars. 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. Blue Cash Everyday Card from American Express. Its smart technology that helps us make sure its really you when shopping online. Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required), Annual statement credits with Saks and Uber, Bonus categories leave something to be desired, One of the highest annual fees among premium travel cards, Fee-only vs. commission financial advisor, See Business Insider's list of the best rewards credit cards , Have you ever purchased something and wanted to return it only to find out you were past the return window? And Visa offers Purchase Security to Visa Infinite cardmembers. Plus, AmEx can change the coverage at any time. Terms apply to the offers listed on this page. Purchase protection is an embedded benefit of your card membership and requires no enrollment. Let's look at how Amex purchase protection works, which AmEx cards feature it and the limitations and exclusions of this coverage. endobj To get started, you'll just need your receipt from the merchant and your American Express card statement. 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.

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