Terms apply. Terms apply. You will be asked certain questions about your claim at that time. has been collected independently by NerdWallet . Most Cards allow up to $1,000 per incident, with a limit of $50,000 per year. Underwritten by AMEX Assurance Company. Purchase Protection is normally not the first benefit that comes to mind when you think of your American Express card perks. We'll run a soft credit check to find special offers, but it wont affect your credit score. See if Youre Pre-Qualified, Credit Intel Financial Education Center. Check the. Performance information may have changed since the time of publication. 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. You can also file a purchase protection claim over the phone by calling 1-800-228-6855. Select the Card below to read the full Policy for Extended Warranty related to that Card. % All information about Business Green Rewards Card from American Express has been collected independently by NerdWallet. 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 makes it easy to file a purchase protection claim on its website. Blue Cash Everyday Card from American Express. 4.4 Amex purchase protection covers new purchases that are damaged, stolen, or lost within the first 90 days. Once youve submitted the necessary supporting documents, American Express will send you an email confirmation stating your documents were received. Please visit americanexpress.com/benefitsguide for more details. Permanent household items such as carpet, flooring, air conditioners and refrigerators. Learn more. Uber Cash and Uber VIP status is available to Basic Card Member only. Submit a Claim | American Express Canada . stream 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. I confess that I dont save a copy of the register receipt from every purchase I make Im just not that organized. Amex cards that offer purchase protection. 2023 Forbes Media LLC. You can also mail them at: Purchase Protection Claims Unit, PO Box 981553 El Paso TX 79998- 9920. Here's a step-by-step guide to submitting a claim for return protection through Amex. 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 Amex EveryDay Preferred Credit Card from American Express is no longer available through NerdWallet. Get more smart money moves straight to your inbox. 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. Many popular rewards credit cards come with generous welcome offers and useful benefits to attract consumers. Business cards are no exception. Claim amount was around $300. 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. x][s8~wjJ[1M\INm)qTdctJ ) E=SH"h6 O6=rv,_7r3Y/s#.t'kd bBJK9>:}YqaX0DI The coverage is limited up to $10,000 per occurrence, up to $50,000 per card member account per calendar year. How to File an Amex Gold card Purchase Protection Claim. endobj Juan's passion is helping readers navigate through the complex world of frequent flier miles, credit card rewards points and award travel. Editors note: This is a recurring post, regularly updated with new information. %PDF-1.5 Big spenders should note that the purchase protection on The Platinum Card from American Express only covers up to $10,000 per covered purchase. How do I Earn Membership Rewards Points? A premium card with a higher annual fee may offer up to $10,000. Shop safe withSafeKey. 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. Dozens of cards offer this benefit. Juan is a travel writer that specializes in travel and personal finance, including content on credit card products and airline and hotel loyalty programs. For information on coverage limits and what's not covered, review your card's guide to benefits. Understanding Homeowners Insurance Premiums, Guide to Homeowners Insurance Deductibles, Best Pet Insurance for Pre-existing Conditions, What to Look for in a Pet Insurance Company, Marcus by Goldman Sachs Personal Loans Review, The Best Way to Get a Loan With Zero Credit. Eligible American Express cardholders can get reimbursed up to $1,000 or $10,000 per item (depending on the card) and up to . Earn 5x Membership Rewards Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. So, you can't claim purchase protection if your baseball bat or hockey stick breaks. 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. Related: Best credit cards for extended warranties. Call was made about a week later. One-of-a-kind items, such as antiques and artwork, or limited-edition items. AMEX Purchase Protection Claim - Fill and Sign Printable Template Online Although this is an oft-overlooked benefit, purchase protection can provide exceptional value. If you have questions, please consult your own professional legal, tax and financial advisors. Get the latest tips you need to manage your money delivered to you biweekly. American Express | Membership Rewards - American Express Purchase Protection - I had a claim last year where the damage was sustained on the 89th/90th day. To validate your coverage, please call the number on the back of your Card. shopping purchases when you use your Eligible Card. Hilton Business Credit Card Purchase Protection Explained However, there are plenty of credit cards that offer travel insurance and protections. Terms apply. What You Should Know About Foreign Transaction Fees. Do not sell or share my personal information. If your card includes American Express return protection, Amex will refund up to $300 per item, including shipping and handling charges. Card member documents upload - American Express 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. Next article If I have a problem or concern about my claim or the insurance coverage who should I contact? PDF Purchase Protection Claim Form ClaimNumber: SECTION - American Express Explore our Cards Terms and Conditions Find the right card for you. 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. Visit Amex's dedicated webpage or call the Benefit Administrator within 30 days . The maximum you can be reimbursed is the amount of the original charge on your card. You must file a claim within 90 days of your original purchase through this link or by calling 800-228-6855. You need to try to return the item to the original retailer within 90 days of the purchase date, and you need to contact Amex within 90 days of the purchase date to initiate the claim. Items purchased for professional or commercial use such as education, training or skills. Don't you wish you could take a peek inside a credit card expert's wallet sometimes? Please review. You may even be asked to send in a damaged item or a picture for proof of loss, so be sure to keep all of these until the claim is resolved. , AmEx purchase protection only covers a maximum of $500 in claims per event. The Hilton Honors American Express Business Card. 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. All financial products, shopping products and services are presented without warranty. In addition to filing your claim, you must provide proof of loss within 60 days of the incident or as soon as reasonably possible. Credit Card Return Protection Terms | American Express US Return Protection Learn more about the benefits Card Membership can provide. Earn 5% on Chase travel purchased through Chase Ultimate Rewards, 3% on dining and drugstores and 1.5% on all otherRead More, A good overall spending card that allows you to hold a balance on new purchases with a low introductory APR, pay no annual fee, and still earn at least 1.5% cashback on all purchases. Business fixtures including air conditioners, refrigerators and heaters. Shopping Protection | American Express US This card shines for this use, but overall the star ratings may differ when compared to other cards. If you try to return an item within 90 days of purchase and the merchant won't accept it, American Express will take it back instead and reimburse you up to $300 per claim and $1,000 per card per year (based on the year of purchase). Submit a Claim. Objects such as motorized vehicles, artwork, gift cards and perishable items like perfume, food, light bulbs and batteries are all typically ineligible for purchase protection coverage. Only two American Express business cards, the Delta SkyMiles Reserve Business American Express Card and The Business Platinum Card from American Express, elevate coverage to $10,000. All information about The Amex EveryDay Preferred Credit Card from American Express has been collected independently by NerdWallet. Coverage limits apply. American Express Purchase Protection: Everything You Need To Know - Forbes The extended warranty period is an additional year and is limited to covering the actual purchase amount paid for with your card. Marriott Bonvoy Brilliant American Express Card. Credit Card Return Protection Terms | American Express US The first claim was for a childs bicycle seat that was supposed to mount on my bikes handlebars. Purchase Protection is underwritten by AMEX Assurance Company. More information can be found here. 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. Amex EveryDay Credit Card from American Express, Blue Cash Everyday Card from American Express, Blue Cash Preferred Card from American Express, Delta SkyMiles Blue American Express Card, Delta SkyMiles Gold American Express Card, Delta SkyMiles Platinum American Express Card, Delta SkyMiles Reserve American Express Card, Hilton Honors American Express Aspire Card, Marriott Bonvoy Brilliant American Express Card. Eligible American Express cardholders can get reimbursed up to $1,000 or $10,000 per item (depending on the card) and up to . 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.^. Is The White Lotus breaking up with Four Seasons ahead of Season 3? Let's take a look at the current coverage on The Platinum Card from American Express as an example. One-of-a-kind items, such as rare stamps and coins. Finally, its not that hard to snap a photo of a receipt and retain it in your smartphones cloud storage archive for many years. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105, The Guide to AmEx Purchase Protection on Travel Cards. AmEx purchase protection also doesn't cover losses when the item isn't "reasonably safeguarded" such as leaving it in an unlocked car or publicly unattended. The following items are excluded from this policy: See the entire return protection policy for your card here. Eligible American Express cardholders can get reimbursed up to $1,000 or $10,000 per item (depending on the . Cost includes $12.95 plus applicable local sales tax. 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. I definitely lean toward my Amex card when I buy a television, computer or a major appliance that can be costly to repair even if it means sacrificing bonus points. You can view the full extended warranty policy for each card. out Eligibility and benefit level varies by card. Phone fell out of my pocket getting out of the car and cracked the rear glass. File a police report within 48 hours of the incident, if the item was stolen. Another coverage benefit that can provide peace of mind is Amex return protection. There is, however, a higher maximum of $10,000 per claim with several premium American Express cards. Business Green Rewards Card from American Express. The American Express Platinum card purchase protection covers items bought with this card for up to $10,000 per incident and $50,000 per year. The most common coverage amount is $1,000 per covered incident, but some premium American Express cards cover purchases up to $10,000 per incident. Anything purchased for resale or commercial use. American Express purchase protection works by covering the damage or theft of eligible purchases for up to 90 days after the purchase date. It also includes their coverage maximums per purchase and calendar year. Often, you will get a response to your initial claim inquiry within 48 hours. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team. How do I file a purchase protection claim? Items that are rented, leased or borrowed. Here's a step-by-step guide to submitting a claim for return protection through Amex. Check here before booking an award fare. Welcome to the American Express Claim Document Upload Site For Products Underwritten by AMEX Assurance Company To get started, please complete the fields below. 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. American Express processes claims more quickly than some other issuers. 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. The coverage maximum with most American Express cards is $1,000 per claim. . You can do so online or by calling Amex at 1-800-322-1277. Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% 28.49%. Finance. Best Homeowners Insurance for New Construction, How to Get Discounts on Homeowners Insurance. 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. You can view the full list of cards here. CLAIM NUMBER (NUMERIC-PART ONLY) DOCUMENT UPLOAD NUMBER Are you a robot? In this case, you must purchase an item thats eligible for coverage and the loss cant be due to an excluded reason. Earn 80,000 Membership Rewards Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership. Check your eligibility here. * 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. Once you've submitted those documents, you'll get another email from Amex letting you know that your documents have been received. How do I find and add Amex Offers to my Card? 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. 1 0 obj NerdWallet strives to keep its information accurate and up to date. 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 However, not all purchases and losses are covered by AmEx purchase protection. 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. Purchase Protection can cover the cost of lifes uh-oh moments, so you can be more confident when buying with your Eligible Card. Copyright 2018 - 2023 The Ascent. The claim should be provided within thirty (30) days of the loss or as soon as reasonably possible. For example, the Blue Cash Everyday Card from American Express and Amex EveryDay Credit Card* credit cards carry up to $1,000 coverage per incident, up to $50,000 per card member account per calendar year (Terms apply.). American Express purchase protection works by covering the damage or theft of eligible purchases for up to 90 days after the purchase date. American Express Purchase Protection Guide: (Claims, Forms) [2021] Click "file a claim" and select the card for which you're filing a claim, enter your date of purchase and click "continue.". American Express will let you know what proof of loss is required for your claims. It isn't and even better, the process is very simple. Be sure to check each cards individual purchase protection policy before making an expensive purchase on an Amex card. American Express Purchase Protection Explained Best Mortgage Lenders for First-Time Homebuyers. 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. Purchase Protection: Which Credit Cards Cover Your Belongings 5 Stars, 80,000 Membership Rewards Points after spending $6,000 on purchases on the Card in the first six months of card membership. 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. The Platinum also offers 90 days of return protection, up to $300 per item. Cate Langs, Member.
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