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So, you can't claim purchase protection if your baseball bat or hockey stick breaks. From bedroom furniture to clothing and cellular phones to handbags, purchase protection can be a worthwhile benefitparticularly for high-priced items. Purchase protection will reimburse you for theft, loss or accidental damage to eligible items that occurred within 90 days of purchase. Damage through altercation or modifications. In contrast, more than a dozen personal American Express cards include loss as a qualified purchase protection reason in their benefits. Like insurance, purchase protection is one of those things that you hope you never have to use. Terms apply. Here are the full conditions for the purchase protection: Download (PDF, 815KB) The item covered under this claim was very cheap, $42.27 for the swimwear but as long as it's covered there is no reason not to file a claim for this item. Editorial Note: We earn a commission from partner links on Forbes Advisor. Underwritten by AMEX Assurance Company. 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. 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. Do not sell or share my personal information. update? Services and additional costs, such as installation charges, warranties, shipping, handling and memberships. From porch pirates to Murphy's law, a lot can go awry between the time you buy an item and make use of that purchase. Since youll earn at least 2 Capital One miles per dollar spent on all purchases and also get extended warranty protection and return protection, this card is an excellent choice for shopping. If there is a chance that an item might get broken or stolen, make sure that it is charged to your eligible American Express card. 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. 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. 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. **, Morgan Stanley Blue Cash Preferred American Express Card.**. Related: How an often-overlooked credit card benefit put $1,400 back in my wallet. This card shines for this use, but overall the star ratings may differ when compared to other cards. Recently bought a Pacsafe bag that basically fell apart on the first trip out. 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. You must file a claim within 90 days of your original purchase through this link or by calling 800-228-6855. Best Balance Transfer & 0% APR Credit Cards, NerdWallets Best Credit Card Tips for March 2023, Get more smart money moves straight to your inbox. When you purchase an item with a manufacturer's warranty, this benefit can add an extra year to the warranty. For most people, the purchase protection benefit offered by some credit cards flies under the radar. If you're hitting the skies soon, you'll also earn bonus points on travel. Editorial disclaimer: 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. The card doesnt offer price protection or return protection, though. For claims filed internationally, you can dial 1-303-273-6498. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Quote: Originally Posted by JeffD. 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. For most claims, you'll typically need to submit: A copy of your credit card statement with the purchase. Delta SkyMiles Reserve Business American Express Card. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Finally, be diligent, complete and timely when you file your claims. Delta SkyMiles Reserve American Express Card. 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. First, you have to have the right card. Buts its still "status open" now and have no update. Card Rating is based on the opinion of TPGs editors and is not influenced by the card issuer. Purchase protection benefits offered by credit cards often differ in three main aspects: Related: Purchase protection saved us $1,700 a reader success story. 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. 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. Select "purchase protection" on the next page and continue the process. All financial products, shopping products and services are presented without warranty. Earn 100,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 3 months. Theres nothing easier than buying a gift card at the last minute. He covers credit cards, loyalty programs and family travel. Each eligible AmEx card is covered for up to $50,000 in claims per year. Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased throughRead More. Our points-obsessed staff uses a plethora of credit cards on a daily basis. Improve earnings, maximize rewards and track progress toward dream trips. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. So I recently. 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. 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. 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.*. Any purchase that is not in an excluded category and is made with a qualifying American Express card will receive purchase protection. 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. Check your benefits guide for complete details. American Express processes claims more quickly than some other issuers. Plus, your own feed of TPG content. Purchase Protection can 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. 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. We'll run a soft credit check to find special offers, but it wont affect your credit score. Make sure to file a claim within 30 days of the incident - or as soon as reasonably possible. If you need to make a claim, you will receive a reimbursement either for the item or the cost to replace the item, up to the coverage limits on your American Express card. Notably, American Express prepaid debit cards do not come with this benefit. EgnS+JoYlUR fbcv,R38{TA\ =e`%! Personal cards with purchase protections from AmEx include: The Platinum Card from American Express. 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. How do I Redeem Membership Rewards Points. Items purchased for resale, professional or commercial use. are covered by AmEx's purchase protection coverage. If an item is stolen, file a police report immediately. There are more than a dozen personal cards that offer $10,000 in purchase protection coverage per item. Terms apply. Purchase Protection Question : r/amex - Reddit Card issuers strive to set their products apart from the competition by offering incentives like welcome bonuses, but sometimes the less-flashy benefits can be even more valuable. diamondsaremadeunder 3 yr. ago. There are important terms to follow for this benefit, such as the length of time from the purchase date for which coverage is offered, how to submit claims and even the maximum coverage amount provided by your credit card. Hilton Honors American Express Aspire Card is no longer available through NerdWallet. Terms, Conditions and Limitations Apply. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Our partners compensate us. Amex will reimburse you up to a maximum of $1,000 per card member account per calendar year based on the date of purchase. The American Express Platinum cards are eligible for American Express Purchase Protection. Shopping Protection | Purchase Protection Plan | Amex CA TPGs March 2023 monthly valuations, Cruise giant Carnival goes Texas-size big with new sailings from Galveston. Submitted a claim and it was approved the next day. You can see the benefits for all American Express cards on Amexs website and can consult our guide to shopping protections on American Express cards, but you may need to call or log into your account to see the guide to benefits for cards issued by other banks. So the key limitations are that the return attempt must be made within 90 days of purchase and that you can reimbursed up to a maximum of $300. That proof of loss depends on the circumstances. Return Protection1 If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. Compare the cost in points or miles to cash, and see which option is best. this adds to already-existing purchase protection and extended warranty . endstream endobj 962 0 obj <>>>/Filter/Standard/Length 128/O(-ZK*Kme P1Fi dX)/P -1340/R 4/StmF/StdCF/StrF/StdCF/U(U-q U )/V 4>> endobj 963 0 obj <>/Metadata 89 0 R/OCProperties<>/OCGs[973 0 R]>>/Outlines 294 0 R/PageLayout/OneColumn/Pages 957 0 R/StructTreeRoot 349 0 R/Type/Catalog>> endobj 964 0 obj <>/Font<>/ProcSet[/PDF/Text]>>/Rotate 0/StructParents 0/Tabs/S/Type/Page>> endobj 965 0 obj <>stream OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105, The Guide to AmEx Purchase Protection on Travel Cards. 2023 American Express. The Ink Business Cash Credit Card offers up to $10,000 per claim in purchase protection on a card with no annual fee. Before making a significant purchase, know the benefits of each card you could use for the purchase. How Amex Platinum Purchase Protection Works - WalletHub Related: Why I switched from the Chase Freedom to the Chase Freedom Flex. Terms apply. This benefit offers cardholders compensation when a store will not accept an eligible item for return within 90 days of purchase. If you have questions, please consult your own professional legal, tax and financial advisors.