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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. When evaluating offers, please review the financial institutions Terms and Conditions. All financial products, shopping products and services are presented without warranty. One-of-a-kind items, such as antiques and artwork, or limited-edition items. 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. Delta SkyMiles Gold American Express Card. Almost every American Express credit and charge card offers purchase protection of some degree. Everything you need to know about American Express purchase protection Delta SkyMiles Reserve American Express Card, Hilton Honors Aspire Card from American Express, benefits for all American Express cards on Amexs website, guide to shopping protections on American Express cards. Read more. If you'd like to. Fortunately, several American Express credit cards are equipped with the handy purchase protection perk. Eligible AmEx cardmembers can still file a purchase protection claim for a covered loss even if you've redeemed Membership Rewards points for all or part of that purchase including Pay With Points redemptions. Which cards have AmEx purchase protection, 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. If you have multiple American Express cards with varying coverage limits, make sure that your large purchases are made on your cards with the largest coverage limits. With most Amex cards, youre covered for up to $1,000 per covered incident and up to $50,000 per year, but the reimbursement doesnt include any shipping or handling expenses. 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. 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. For most claims, you'll typically need to submit: A copy of your credit card statement with the purchase. Meanwhile, here's the list of small business cards from AmEx with this benefit: The Business Platinum Card from American Express. Please visit americanexpress.com/benefitsguide for more details. Using The American Express Platinum Purchase Protection: Swimwear %PDF-1.6 % Depending on the credit card, the coverage amount and the duration of the protection may differ. This card has the brawn to handle just about all of your credit card spending needs without an over-inflated price tag. All Rights Reserved. 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. Books, magazines or periodicals of any kind. I confess that I dont save a copy of the register receipt from every purchase I make Im just not that organized. You will be asked certain questions about your claim at that time. In the event of theft, you must also include a copy of a police report. 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. Things To Do Before Canceling A Credit Card, Best Credit Cards For Travel Insurance Benefits, American Express Business Platinum Review, Delta SkyMiles Reserve Credit Card Review, Rotating quarterly categories earn 5% rewards when activated, up to a combined quarterly $1,500 maximum, Travel rewards rate rivals some of the best premium travel cards, Generous rewards rate in several other categories, Travel bookings must be made through Chase Ultimate Rewards to earn 5% cash back. Terms, Conditions and Limitations Apply. Offer ends 3/29/23. Amex Platinum Lost Item Purchase Protection Question So I recently. *Excess of 50 applies. AmEx Return Protection: What to Know - NerdWallet One-of-a-kind items, such as rare stamps and coins. Extended Warranty benefits extend your manufacturers warranty coverage, often by as much as a year. TPGs March 2023 monthly valuations, Cruise giant Carnival goes Texas-size big with new sailings from Galveston. Cash and its equivalent (including, but not limited to, gift cards and gift certificates). Be sure to check each cards individual purchase protection policy before making an expensive purchase on an Amex card. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. 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. 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. , 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. The Platinum also offers 90 days of return protection, up to $300 per item. Underwritten by AMEX Assurance Company. 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. American Express Purchase Protection: Everything You Need To Know 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. This influences which products we write about and where and how the product appears on a page. While extended warranty coverage offers more comprehensive damage protection, purchase protection gives you more protection in case of theft. Cash and cash-like items including gift certificates, stamps and coins. Related: Battle of the premium travel rewards cards which is best for you? I was notified about a week later that my claim had been accepted, and I was issued a statement credit for the purchase price. How To Find The Cheapest Travel Insurance. Gold or Rose Gold. 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. 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. Call 1-800-243-0198 for more information. Although this guide focuses on purchase protection, you should also consider benefits like return protection, price protection and extended warranty. The following items are excluded from this policy: See the entire return protection policy for your card here. Related: Your complete guide to shopping protections on American Express cards. About the author: Ben Luthi is a former credit card specialist for NerdWallet. * Eligibility and benefit levels vary by card. 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. Visit americanexpress.com/benefitsguide for details. 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. Check the details of your card's coverage to see if your incident is covered. 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. AmEx purchase protection covers lost, stolen or damaged items within the first 90 days after purchase. PDF Return Protection - American Express If that item is lost, stolen or damaged within the first 90 days, file a Notice of Claim within 30 days to start the claims process. All financial products, shopping products and services are presented without warranty. Purchase Protection Protect your shopping Enjoy stress-free shopping when you use your American Express Card, with 90-day Purchase Protection. How do I Redeem Membership Rewards Points. The Ink Business Cash Credit Card offers up to $10,000 per claim in purchase protection on a card with no annual fee. Plus, AmEx can change the coverage at any time. **, Morgan Stanley Blue Cash Preferred American Express Card.**. 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. 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.