By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. Enrollment required. So you finally splurged for an Apple Watch and broke it a week later. Blue Cash Everyday Card from American Express. 11. ghedoicy. How American Express Purchase Protection Works All financial products, shopping products and services are presented without warranty. For an explanation of our Advertising Policy, visit. Recently bought a Pacsafe bag that basically fell apart on the first trip out. How do I Earn Membership Rewards Points? We may receive compensation when you click on links to those products. We may receive compensation when you click on links to those products. Our opinions are our own. How do I Earn Membership Rewards Points? 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. Ben is a former credit card specialist for NerdWallet who wrote card reviews and comparisons and covered credit-related issues affecting consumers. 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. Earning rates: 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year (then 1% back); 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year (then 1% back); 1% cash back on all other purchases. How to Freeze an American Express Platinum Card - WalletHub OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105, The Guide to AmEx Purchase Protection on Travel Cards. 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. Offer ends 3/29/23. Would probably help your claim, Amex should be able to help you out. 10 points per dollar on Chase Dining, hotels and car rentals when you purchase through Chase Ultimate Rewards; 5 points per dollar on flights when you purchase through Chase Ultimate Rewards; 3 points per dollar on other travel and dining; 1 point per dollar on other purchases. The Capital One Venture X Rewards Credit Card is an excellent everyday spending card. Select the Card below to read the full terms and conditions for Return Protection related to that Card. The card details on this page have not been reviewed or provided by the card issuer. Claim processing and payment is usually complete within 30 days. How to file a purchase protection claim with Amex. Terms apply. Services and additional costs, such as installation charges, warranties, shipping, handling and memberships. You must file a claim within 30 days of loss through this link or by calling 800-228-6855. Explore our Cards Terms and Conditions 2023 Forbes Media LLC. This benefit is limited to $1,000 annually. The card details on this page have not been reviewed or provided by the card issuer. 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. and U.S. supermarkets. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Anything purchased for resale or commercial use. 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. |F\ba9F ~Zh1m$5(9=H$3wxMd/L}hLXI=eO*"Z:#x&OpDZH~}7~H{h9uqGM_)J'p3TFE3H8Z;t 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. when you need coverage is essential. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. Business cards are no exception. The American Express Platinum cards are eligible for American Express Purchase Protection. Shop safe withSafeKey. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. How Amex Platinum Purchase Protection Works - WalletHub Each category has certain conditions attached to it. For example, The Platinum Card from American Express and other cards offer purchase protection, which can reimburse you if a covered item is stolen or damaged within a specified window of time . 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. In-built purchase protection is a valuable benefit that comes with some credit cards. PSA: Never ever ever put anything in the seat pocket of an airplane. It seemed like a good idea at the time, but once I received it and had a chance to install it, I realized that it scared my daughter and seemed too dangerous to me as well. Purchase protection will reimburse you for theft, loss or accidental damage to eligible items that occurred within 90 days of purchase. AmEx purchase protection generally covers theft, loss and damage to eligible items within 90 days of purchase. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Purchases must be made in the U.S. or its territories, Send Money & Split Purchases: Venmo and PayPal, Credit Intel Financial Education Center. Our partners compensate us. Reply FitYNABer Additional comment actions AMEX Purchase Protection is AWESOME! Policies are underwritten by AMEX Assurance Company. %PDF-1.6 % 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. The Forbes Advisor editorial team is independent and objective. 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. One-of-a-kind items, such as antiques and artwork, or limited-edition items. You need to typically provide documentation (receipts) and sometimes proof such as a police report. Please review. How Much Are Travel Points and Miles Worth in 2023? You must provide an original store receipt (or a printout of an online receipt). For a complete description of the policies of your American Express card, select your card on this page. Many or all of the products featured here are from our partners who compensate us. Purchase protection can reimburse you for the cost of repairing or replacing the item you purchased, assuming you paid for it with a card that provides purchase protection. Maximum coverage per purchase protection claim: $10,000 per item ($500 per event related to a natural disaster). You may also be asked to return the item to Amex, so be sure to hang onto it until your claim is resolved. The Hilton Honors American Express Business Card. Official application link: Ink Business Cash Credit Card. Earn 4X Membership Rewards Points at Restaurants, plus takeout and delivery in the U.S. Welcome bonus: Earn 60,000 Membership Rewards points after spending $4,000 on purchases on your new card in your first six months of card membership. For an explanation of our Advertising Policy, visit. 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. Disclaimer: NerdWallet strives to keep its information accurate and up to date. In this case, you must purchase an item thats eligible for coverage and the loss cant be due to an excluded reason. 961 0 obj <> endobj *, Maximum coverage per account for purchase protection: $50,000 per card per calendar year.*. Delta SkyMiles Gold Business American Express Card. Some issuers also refer to this benefit as purchase security. Amex Platinum Lost Item Purchase Protection Question : r/amex - reddit American Express consumer cards all offer purchase protections for eligible purchases for 90 days from the date of purchase to file a claim. How to File a Return Protection Request 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. However, the purchase protection coverage amounts and limitations vary between AmEx cards. Compare the cost in points or miles to cash, and see which option is best. So, forgetful consumers may want to put their purchases on one of American Express' premium cards that include lost items under the Amex purchase protection benefit. To view rates and fees of the American Express Gold Card, see this page. This is important because many cardholders believe American Express has the least painful claim process of any issuer. Consumable or perishable items like food and batteries. Note that purchase protection is different from price protection and extended warranty coverage, other credit card benefits you might be eligible for. Related: Best credit cards with purchase protection. Youre out of luck, right? 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. A variable APR of 19.49%28.24% applies thereafter. Can You Get a Credit Card Without a Social Security Number? $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year. read full answer 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. Tip: Use WalletFlo for all your credit card needs. Maximum coverage per purchase protection claim: $10,000. Please visit americanexpress.com/benefitsguide for more details. 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. 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. Motorized vehicles, their parts and accessories as well as those parts and accessories intended for use with the motorized vehicles. *Benefits may vary by issuer. 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. Purchase Protection is amazing (Plat) : r/amex - Reddit Related: Everything you need to know about Amex purchase protection. Shopping online for a car is an accelerating trend changing the purchase process from start to finish.
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