amex platinum purchase protection lost item

The purchase must be made in the United States, be in like new condition and the merchant must have previously denied the return. 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. Are you sure you want to rest your choices? Have you considered how much it will cost to use credit card while traveling abroad? Purchase Protection can cover the cost of lifes uh-oh moments, so you can be more confident when buying with your Eligible Card. And be aware of excluded purchases, too. 0% intro APR for 15 months from account opening on purchases and balance transfers. All American Express cards with extended warranty benefits provide the same amount of coverage. Gold or Rose Gold. Purchase Protection is amazing (Plat) : r/amex - Reddit Check the. Delta SkyMiles Platinum Business American Express Card. To take advantage of this benefit, first review your card's benefit statement to see whether you are eligible for reimbursement if a purchase is damaged, stolen or lost. The extended warranty does not cover the following items: Also, coverage does not apply to damage from natural disasters, alterations or modifications, power surges, war or acts of war or any item under a product recall. Check your eligibility here. Although this guide focuses on purchase protection, you should also consider benefits like return protection, price protection and extended warranty. If filing online, you will be prompted to submit required documents to support your claim. The best credit cards for travel insurance benefits. To start the process, log into your AmEx account and go to the claims center page. For full Terms and Conditions, see www.americanexpress.com/PPterms. Like insurance, purchase protection is one of those things that you hope you never have to use. NerdWallet strives to keep its information accurate and up to date. 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. Something went wrong. Please try again later. 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. 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. Purchase protection benefits offered by credit cards often differ in three main aspects: Related: Purchase protection saved us $1,700 a reader success story. 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. 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. Almost every American Express credit and charge card offers purchase protection of some degree. Learn more: The best travel credit cards right now. Eligibility and Benefit level varies by Card. Purchase Protection is amazing (Plat) Had a great experience with Amex Purchase Protection on the Plat. Our points-obsessed staff uses a plethora of credit cards on a daily basis. 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. Personal cards with purchase protections from AmEx include: The Platinum Card from American Express. Coverage Limits Apply. I want to file a purchase protect claim with Amex, but everything I see says the 90 days runs from the date of purchase, not the date of delivery. 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. There are limitations to this policy, so be sure to read your card's benefits guide for a full explanation of what's excluded under purchase security. This benefit offers cardholders compensation when a store will not accept an eligible item for return within 90 days of purchase. Delta SkyMiles Reserve Business American Express Card. Help protect your eligible Items not being safeguarded or left at an unlocked location. Visit americanexpress.com/benefitsguide for details. This coverage is complimentary on most AmEx cards including some debit, prepaid and reloadable AmEx cards. Here's a look at how purchase protection programs work. 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. There are a multitude of purchases that are excluded from purchase protection. 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. Amex's extended warranty perk applies to warranties of five years or less. To view rates and fees of The Platinum Card from American Express, see this page. Compare the cost in points or miles to cash, and see which option is best. In these cases, Amex will refund the entire purchase price up to $300 per item, excluding shipping and handling charges. Return Protection Terms | AMEX US - American Express However, there are varying levels of protection. Juan is a travel writer that specializes in travel and personal finance, including content on credit card products and airline and hotel loyalty programs. Benefits are providedfor Replacement Cost up to the lesser of the Eligible Payment or the per item and calendar year maximums as described below. For an explanation of our Advertising Policy, visit. You can do so online or by calling Amex at 1-800-322-1277. Terms apply. Maximum coverage per account for purchase protection: $50,000. 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. For example, AmEx won't approve a claim for damage to an item "purchased for play." This is important because many cardholders believe American Express has the least painful claim process of any issuer. The Points Guy, Forbes Advisor, AwardWallet, LendingTree. Official application link: Chase Freedom Flex. Pre-qualified offers are not binding. 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. 971 0 obj <>/Encrypt 962 0 R/Filter/FlateDecode/ID[]/Index[961 35]/Info 960 0 R/Length 65/Prev 833811/Root 963 0 R/Size 996/Type/XRef/W[1 2 1]>>stream Read more. Visit americanexpress.com/benefitsguide for details. $1,000 per item (or $500 per event for natural disasters).*. The Platinum Card from American Express American Express Gold Card and Delta SkyMiles Reserve American Express Card are just a few examples. 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. Balance transfer fee applies, see pricing and terms for more details. If a recently purchased item is damaged, stolen or lost, your first step should be to determine whether the card used to purchase the item has purchase protection. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. pAxTu:E4 VB8H_ fUsF4A~ScD_ ^8v8_]gw`\7f(g~5"ip JI. A Step-by-Step Guide to Filing a Return Protection Claim With Amex The Capital One Venture X Rewards Credit Card is an excellent everyday spending card. The Amex EveryDay Preferred Credit Card from American Express. This card shines for this use, but overall the star ratings may differ when compared to other cards. An itemized receipt from the retailer showing the purchase. 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. Gifts are covered as long as they were purchased using an eligible card, Eligible World and World Elite MasterCard cards, Guide to Visa Signature benefits via CapitalOne. 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 your item was stolen, you may need to show American Express a copy of the police report. Subject to additional terms, conditions and exclusions. Items voluntarily or involuntarily discarded. Claims can be made online or by giving American Express a call at 1-800-322-1277. 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. *Eligibility and Benefit level varies by Card. AmEx purchase protection excludes a long list of types of purchases, including: Antiques, artwork and previously used items. This coverage is complimentary on most AmEx cards including some debit,. Call 1-800-243-0198 for more information. You must provide an original store receipt (or a printout of an online receipt). Read more. How do I find and add Amex Offers to my Card? $10,000 per claim, $50,000 per year for the, Delta SkyMiles Reserve American Express Card. ^ Eligibility and benefit levels vary by card. Note that purchase protection is different from. Remember that only purchases made with your eligible American Express card and only the amount charged to your card are eligible for purchase protection. Shop safe withSafeKey. Purchase protection will reimburse you for theft, loss or accidental damage to eligible items that occurred within 90 days of purchase. That proof of loss depends on the circumstances. Compare the cost in points or miles to cash, and see which option is best. Welcome bonus: Earn $200 cash back after spending $500 on purchases in your first three months of account opening. Plus, your own feed of TPG content. Coverage limits apply. AmEx makes it easy to file a purchase protection claim on its website. Her focus at TPG is points, miles, loyalty and credit cards. Purchases must be made in the U.S. or its territories1. 11. ghedoicy. There are credit cards offering purchase protection that aren't included in this list. Disclaimer: NerdWallet strives to keep its information accurate and up to date. Here is a list of our partners. 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. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. These cards, each chosen with a particular type of consumer or purchase in mind, are discussed below. Plus, not all damage and losses are covered. Terms, Conditions and Limitations Apply. To view rates and fees of the Delta SkyMiles Reserve American Express Card, see this page. Underwritten by AMEX Assurance Company. However, if your item is just lost or missing, you wont need a police report. Amex purchase protection lasts for 90 days from the purchase date. These online records helped me file my Amex claims quickly, rather than digging through a shoebox full of paper receipts. If an eligible item is lost, accidentally broken, or stolen within 90 days of the purchase date, Amex may reimburse its value. 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.*. Related: Your guide to the Chase Ink Business credit cards. This post contains references to products from one or more of our advertisers. All information about Business Green Rewards Card from American Express has been collected independently by NerdWallet.

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