Return protection is a super valuable benefit, and luckily it's available on virtually all American Express cards. By taking advantage of the valuable shopping protection policies offered by most American Express cards, you can save hundreds (or even thousands) of dollars when a purchase doesnt work out the way you hoped. AMERICAN EXPRESS AMEX ASSURANCE COMPANY PO BOX 981553 EL PASO TX 79998-9920 Purchase Protection Claim Form Claim Number: SECTION 1: CARD MEMBER INFORMATION: American Express Card Account Number used to purchase the item: Card Member's Name: State: Phone Number: Email: SECTION 2: PURCHASE INFORMATION: Address: City:Zip: Be the first to know if we spot anything odd or unusual on your account, thanks to our account and fraud alerts. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. <>/ExtGState<>/XObject<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI] >>/MediaBox[ 0 0 612 792] /Contents 4 0 R/Group<>/Tabs/S/StructParents 0>>
How to File a Purchase Protection Claim with the Amex Delta Platinum Business Credit Card Call the Benefit Administrator within 30 days of the incident at 1-800-228-6855 or the number in your card's benefits guide. Well, you can't look in anybody's wallet, but you can check out our experts' favorite credit cards. 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. However, most purchases made in the United States qualify for return protection. If a loss is due to theft, you may need to provide a copy of the police report. <>
Get started here: To file an Amex purchase protection claim, visit americanexpress.com/onlineclaim. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. How do I Earn Membership Rewards Points? Credit Card Purchase Protection | American Express UK Thought I only needed a quote for reimbursement so I went to an authorized repair place that quoted approx $400. Since I was outside of the stores 30-day return policy but still within 90 days of purchase, I filed a return protection claim online with Amex. For rates and fees for the American Express Cash Magnet Card, click here, For rates and fees for the American Express Gold Card, click here, For rates and fees for the American Express Green Card, click here, For rates and fees for the Amex EveryDay Credit Card from American Express, click here, For rates and fees for the Amex EveryDay Preferred Credit Card, click here, For rates and fees for the Blue Cash Everyday Card from American Express, click here, For rates and fees for the Blue Cash Preferred Card from American Express, click here, For rates and fees for the Blue from American Express, click here, For rates and fees for the Delta SkyMiles Blue American Express Card, click here, For rates and fees for the Delta SkyMiles Gold American Express Card, click here, For rates and fees for the Delta SkyMiles Platinum American Express Card, click here, For rates and fees for the Delta SkyMiles Reserve American Express Card, click here, For rates and fees for the Hilton Honors American Express Aspire Card, click here, For rates and fees for the Hilton Honors American Express Card, click here, For rates and fees for the Marriott Bonvoy Brilliant American Express Card, click here, For rates and fees for the The Platinum Card from American Express, click here. If that happens due to a covered event, you can file a claim with American Express for reimbursement. For a complete description of the policies of your American Express card, select your card on this page. Yes, cardmembers of the American Express Gold Card are covered by AmEx's purchase protection coverage. File a police report within 48 hours of the incident, if the item was stolen. The claim was quickly accepted, and I was issued a statement credit for my purchase. Related: Best credit cards for extended warranties. The most common coverage amount is $1,000 per covered incident, but some premium American Express cards cover purchases. . out Select the Card below to read the full Policy for Extended Warranty related to that Card. 1. 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. Help protect your eligible Here is a list of our partners and here's how we make money. There are more than a dozen personal cards that offer $10,000 in purchase protection coverage per item. Health care items and/or medical equipment. AmEx makes it easy to file a purchase protection claim on its website. He writes for The Ascent and The Motley Fool, and his work has appeared in USA Today and Yahoo! The Amex EveryDay Preferred Credit Card from American Express is no longer available through NerdWallet. To be eligible, all you have to do is charge a portion of your qualifying purchase to your American Express card but youll only be reimbursed up to the amount charged to your card. Shop moreconfidently with your Card knowing we have your back. PDF Purchase Protection Claim Form ClaimNumber: SECTION - American Express 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.*. 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. Many or all of the products here are from our partners that compensate us. However, there are plenty of credit cards that offer travel insurance and protections. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. After logging in, click "File a Claim." Go through the online claim process and provide the required information. Amex Purchase Protection Benefits | The Motley Fool You will be asked for a copy of the receipt, your Amex purchase record and the original warranty. Purchase protection covers items you want to keep; return protection covers items you don't want to keep where the store won't accept a return. Please read important exclusions and restrictions. Amex purchase protection covers new purchases that are damaged, stolen, or lost within the first 90 days. From lamps to loungewear and from headphones to handbags, you can use your Eligible Card with more confidence when youre covered with Purchase Protection. Please visit americanexpress.com/benefitsguide for more details. Most Cards allow up to $1,000 per incident, with a limit of $50,000 per year. Eligibility and benefit level varies by card. All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. He covers credit cards, loyalty programs and family travel. AmEx makes it easy to file a purchase protection claim on its website. American Express Purchase Protection: Everything You Need To Know - Forbes If you'd. 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. With this benefit, you're able to claim up to a. Many or all of the offers on this site are from companies from which Insider receives compensation (for a full list. has been collected independently by NerdWallet . Do all Amex cards offer purchase protection? Don't you wish you could take a peek inside a credit card expert's wallet sometimes? What Types of Homeowners Insurance Policies Are Available? Cash Back rewards do not expireas long as your account is open! You can contact Assurant by phone for any questions regarding the status of your claim at 1-800-708-0807. 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. American Express Purchase Protection Guide: (Claims, Forms) [2021] Performance information may have changed since the time of publication. Items voluntarily or involuntarily discarded. You should do this within 30 days (or as soon as reasonably possible) of your eligible item being damaged, stolen, or lost. Once youve submitted the necessary supporting documents, American Express will send you an email confirmation stating your documents were received. If filing a damaged or stolen item claim, you may be asked to demonstrate a photograph showing the damage to your item. You must provide an original store receipt (or a printout of an online receipt). 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. Eligibility and Benefit level varies by Card. Check your eligibility here. This information may be different than what you see when you visit a financial institution, service provider or specific products site. It's important to practice financial discipline when using credit cards by paying your balances in full each month, making payments on time, and only spending what you can afford to pay back. How can I check the status of a claim? only covers up to $10,000 per covered purchase. The Amex EveryDay Preferred Credit Card from American Express. If the American Express card member left an item in an unlocked car and it was stolen, purchase protection wouldn't help with that. Items not being safeguarded or left at an unlocked location. There are also coverage limits, which depend on the card that you have. Authorized users are also covered. Furthermore, there are only two American Express business cards that include purchase protection benefits* for lost items, which are also the Delta SkyMiles Reserve Business American Express Card and The Business Platinum Card from American Express. The American Express Platinum cards are eligible for American Express Purchase Protection. are covered by AmEx's purchase protection coverage. Purchase protection can save you a lot of money when something happens to a recent purchase. %PDF-1.5
Coverage limits apply. You may also be asked to return the item to Amex, so be sure to hang onto it until your claim is resolved. Delta SkyMiles Platinum Business American Express Card. Terms, conditions and limitations apply. We'd love to hear from you, please enter your comments. Your financial situation is unique and the products and services we review may not be right for your circumstances. Does the Gold card have purchase protection? This benefit is limited to $1,000 annually. I don't have much time to deal with this but I've never filed a claim before. For a full list of what's not covered by American Express purchase protection, review your Amex card's guide to benefits. Terms apply. Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards, our premier rewards program thatlets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). For rates and fees of The Platinum Card from American Express, please click here. 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. <>>>
The claim should be provided within thirty (30) days of the loss or as soon as reasonably possible. How do I find and add Amex Offers to my Card? For . Credit Card Extended Warranty and Terms | American Express Extended Warranty Learn more about the benefits Card Membership can provide. This benefit covers eligible items purchased with an eligible American Express card against damage or theft. AMEX Purchase Protection Claim - Fill and Sign Printable Template Online Within a few days, you should get an email from American Express asking for any documentation they require - typically just a copy of your itemized store receipt for the items. Purchase Protection is normally not the first benefit that comes to mind when you think of your American Express card perks. If you don't receive claim forms within 15 days, you can provide a letter describing the circumstances of your claim. Get the latest tips you need to manage your money delivered to you biweekly. 2023 Forbes Media LLC. Business cards are no exception. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team. Earn 5x Membership Rewards Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Keep in mind that we're focusing on the rewards and perks that make these credit cards great options, not things like interest rates and late fees, which will far outweigh the value of any points or miles. 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. Terms apply. Let's take a look at the current coverage on The Platinum Card from American Express as an example. There are some types of purchases that aren't covered by Amex purchase protection. If necessary, American Express will send you claim forms to complete. Cristina Gibson is a writer and journalist who has covered consumer goods, fashion, technology, and travel for more than 15 years. Delta SkyMiles Gold American Express Card. This post contains references to products from one or more of our advertisers. Purchase protection will reimburse you for theft, loss or accidental damage to eligible items that occurred within 90 days of purchase. How to File a Purchase Protection Claim with the Gold Delta SkyMiles Business Credit Card. Call 1-800-243-0198 for more information. Shop more. Submit a Claim. Business Green Rewards Card from American Express. Items purchased for professional or commercial use such as education, training or skills. Check the details of your card's coverage to see if your incident is covered. Hi everyone, I started a purchase protection claim for exercise equipment that was stolen from my 2nd home. Curious to hear people's stories using purchase protection with AMEX. This influences which products we write about and where and how the product appears on a page. 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). And extended warranty protection offers one full year of coverage at $10,000 per item and up to $50,000 per calendar year. Authorized users are also covered, as long as theyre U.S. residents. American Express removed this perk from most of its cards effective at the start of 2020. 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. Which cards have AmEx purchase protection? Underwritten by AMEX Assurance Company. Hilton Honors American Express Surpass Card. Something went wrong. Cards that still offer this benefit include: ** The information for these cards has been collected independently by The Points Guy. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Theres nothing easier than buying a gift card at the last minute. To file an American Express return protection claim . With most Amex cards, you're covered for up to $1,000 per covered incident and up to $50,000 per year, but the reimbursement doesn't include any shipping or handling expenses. Read more. Unfortunately, if you're affected by a natural disaster, AmEx purchase protection only covers a maximum of $500 in claims per event. We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. My next chance to use these benefits came when a computer part failed about a year and a half after purchase and had a warranty of just one year. Click "File a Claim," then provide the required information. Lyle Daly is a personal finance writer who specializes in credit cards, travel rewards programs, and banking. The card details on this page have not been reviewed or provided by the card issuer. 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. Please review. Purchase Protection is underwritten by AMEX Assurance Company. All policies have a maximum limit of $50,000 in claims per calendar year. Youll be asked for a copy of the receipt and your Amex purchase record. What You Should Know About Foreign Transaction Fees. Next article If I have a problem or concern about my claim or the insurance coverage who should I contact? If the item was stolen, you may need to show us a copy of the police report, or if the item was damaged, you may need to send it in to complete the claim so dont throw it out. Purchases must be made in the U.S. or its territories, Send Money & Split Purchases: Venmo and PayPal, Interested in Amex? endobj
See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. 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. Terms apply to the offers listed on this page. (If Amex doesn't ask for the item back, you can donate or discard it.). 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. Earn 5X Membership Rewards Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards Points on prepaid hotels booked with American Express Travel. Select "purchase protection" on the next page and continue the process. Earn 5% on Chase travel purchased through Chase Ultimate Rewards, 3% on dining and drugstores and 1.5% on all other. Terms apply. ^Eligibility and benefit levels vary by card. Click "file a claim" and. Hilton Business Credit Card Purchase Protection Explained Items damaged by natural disasters are subject to different terms and limits notated in each cards terms and conditions. And Visa offers Purchase Security to Visa Infinite cardmembers. Please visit americanexpress.com/benefitsguide for more details. The explanation field can be something as simple as "Merchant does not accept returns after 30 days" or 'merchant does not accept returns on sale items'. For a complete description of the policies of your American Express card, select your card on this page. As stated, Notice of Claim should be provided to Amex within 30 days of the incident. If not, please enter the text below. Motorized vehicles, their parts and accessories as well as those parts and accessories intended for use with the motorized vehicles. 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. Fortunately, several American Express credit cards are equipped with the handy purchase protection perk. Terms apply for all cards in the below table. 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 For most people, the purchase protection benefit offered by some credit cards flies under the radar. All rights reserved. If I'm on Disability, Can I Still Get a Loan? Personal cards with purchase protections from AmEx include: The Platinum Card from American Express. 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. The Platinum also offers 90 days of return protection, up to $300 per item. The manufacturer was completely unwilling to repair or replace it, but once again I remembered my Amex extended warranty policy and filled out an online claim form. Terms apply to offers listed on this page. Can You Buy Gift Cards with a Credit Card? Thankfully, many credit cards offer so-called "purchase protection" that covers theft, damage and loss within a set time after purchase. *Eligibility and benefit levels vary by card. }lO861|<>?] _$QH:V^Y$6,Da1h(IAY# Juan's passion is helping readers navigate through the complex world of frequent flier miles, credit card rewards points and award travel. Permanent household items such as carpet, flooring, air conditioners and refrigerators. The claim should be provided within thirty (30) days of the loss or as soon as reasonably possible. Plus, not all damage and losses are covered. See if Youre Pre-Qualified, Credit Intel Financial Education Center. American Express purchase protection works by covering the damage or theft of eligible purchases for up to 90 days after the purchase date. If submitting a claim by phone, you will be asked certain questions about your claim. To be eligible for return protection, an item must have been purchased entirely with an Amex card. Please visit americanexpress.com/benefitsguide for more details. Negotiable instruments, such as stamps and travelers' checks. Claim processing and payment is usually complete within 30 days. Flexibility, point transfers and a large bonus: Bank of America Travel Rewards credit card. Consumable or perishable items like food and batteries. For example, AmEx won't approve a claim for damage to an item "purchased for play." Underwritten by AMEX Assurance Company. Here, you'll need to provide a copy of the purchase receipt and proof of loss. How do I file a purchase protection claim? Finance. However, not all purchases and losses are covered by AmEx purchase protection. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation.
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