If an eligible item is lost, accidentally broken, or stolen within 90 days of the purchase date, Amex may reimburse its value. 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. On the Amex Platinum, purchases of up to $10,000 per incident are protected against damage, loss or theft for up to 90 days. That proof of loss depends on the circumstances. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. Notably, American Express prepaid debit cards do not come with this benefit. <>>> CLAIM NUMBER (NUMERIC-PART ONLY) DOCUMENT UPLOAD NUMBER Are you a robot? 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. American Express cards offer a valuable, complimentary perk that can keep your new purchases safe. The extended warranty period is an additional year and is limited to covering the actual purchase amount paid for with your card. The claim was quickly accepted, and I was issued a statement credit for my purchase. Some premium American Express Cards also include coverage for lost items and provide coverage of up to $10,000 per incident and $50,000 per year. OP}[}Ko? It takes just a few minutes to file a claim, and most claims can be handled entirely online without having to pick up the phone. Earn 80,000 Membership Rewards Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership. Learn more: The best travel credit cards right now. Purchase Protection is normally not the first benefit that comes to mind when you think of your American Express card perks. Most offer up to $1,000 per covered purchase. Improve earnings, maximize rewards and track progress toward dream trips. Can I file an AmEx purchase protection claim if I redeemed points? Terms apply for all cards in the below table. Keep track of all the required documentation, such as the original store receipt or a printout of an online receipt. 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. Cate Langs, Member. 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. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Amex EveryDay Credit Card is no longer available through NerdWallet. 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. Shopping online for a car is an accelerating trend changing the purchase process from start to finish. Purchases must be made in the U.S. or its territories1. As with any insurance policy, the devil is always in the details. The most common coverage amount is $1,000 per covered incident, but some premium American Express cards cover purchases. Pre-qualified offers are not binding. At that point, sit back and relax. He covers credit cards, loyalty programs and family travel. The American Express Platinum cards are eligible for American Express Purchase Protection. Please visit americanexpress.com/benefitsguide for more details. Not a Cardmember yet? Big spenders should note that the purchase protection on The Platinum Card from American Express only covers up to $10,000 per covered purchase. 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. Fortunately, in many places, you dont need to go down to the local police precinct as many cities have an online portal to submit reports for incidents like theft, lost property or damage to property. Something went wrong. Compare the cost in points or miles to cash, and see which option is best. However, there are varying levels of protection. is no longer available through NerdWallet. For example, it doesn't protect against normal wear and tear or damage to an item that was purchased for play, such as sports equipment. Damage through altercation or modifications. Select "purchase protection" on the next page and continue the process. Call was made about a week later. Please read important exclusions and restrictions. Instead, check the benefits guide to see the card's purchase protection coverage. Every consumer American Express card offers purchase protection. I filed one but they ask for police report which I don't have because I didn't want to deal with police and the hassle, how can I cancel the claim ? American Express AMEX Assurance Company PO Box 981553 El Paso TX 79998-9920 (800) 858-5971 Toll Free Fax (800) 322-1277 Phone Purchase Protection Claim Form Claim Number (required) Instructions: Please. Welcome to the American Express Claim Document Upload Site For Products Underwritten by AMEX Assurance Company To get started, please complete the fields below. endobj Visit americanexpress.com/benefitsguide for details. If that's what you're looking for, then travel cards are a good place to start. Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more. Items not being safeguarded or left at an unlocked location. If your item was stolen, you may need to show American Express a copy of the police report. However, not all purchases and losses are covered by AmEx purchase protection. American Express purchase protection works by covering the damage or theft of eligible purchases for up to 90 days after the purchase date. Credit Score ranges are based on FICO credit scoring. Here are a few examples of proof of loss that American Express may ask for: American Express pays purchase protection claims within 30 days of receiving satisfactory proof of loss and determining the claim is payable. Credit Intel - Financial Education Center. Delta SkyMiles Platinum Business American Express Card. In the case of a damage claim, you may need to send in the broken item. Theres nothing easier than buying a gift card at the last minute. @catelangs 04/21/23. Delta SkyMiles Reserve American Express Card. In addition to stolen and damaged items, AmEx purchase protection also covers items lost within the coverage period. In contrast, more than a dozen personal American Express cards include loss as a qualified purchase protection reason in their benefits. $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Beyond glamorous perks like airport lounge access and annual statement credits, American Express cards offer several valuable benefits that can protect your purchases. Amex purchase protection covers new purchases that are damaged, stolen, or lost within the first 90 days. (If Amex doesn't ask for the item back, you can donate or discard it.). 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. JT Genter is a freelance points, miles and credit card writer formerly of The Points Guy. For information on coverage limits and what's not covered, review your card's guide to benefits. 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. 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). Hilton Honors American Express Aspire Card is no longer available through NerdWallet. Coverage limits apply. All financial products, shopping products and services are presented without warranty. File an American Express purchase protection claim online by logging in to your account and going to the claims center. Personal cards with purchase protections from AmEx include: The Platinum Card from American Express. Claim processing and payment is usually complete within 30 days. All information about Hilton Honors American Express Aspire Card has been collected independently by NerdWallet. 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. The card details on this page have not been reviewed or provided by the card issuer. Get started here: To file an Amex purchase protection claim, visit americanexpress.com/onlineclaim. . Related: Best credit cards for extended warranties. 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. Terms apply. Explore our Cards Terms and Conditions The Platinum also offers 90 days of return protection, up to $300 per item. For example, The Platinum Card from American Expressand other cards offer purchase protection, which can reimburse you if a covered item is stolen or damaged within a specified window of time after you bought it. American Express purchase protection works by covering the damage or theft of eligible purchases for up to 90 days after the purchase date. Terms apply. Terms, Conditions and Limitations Apply. All rights reserved. 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. For rates and fees of the Blue Cash Preferred Card from American Express, please click here. But with premium Amex cards, the limit is up to $10,000 per claim with the same $50,000 annual limit. Additionally, purchase protection benefits are not payable on eligible items if the damage is caused by riots, acts of war or service in the military, normal wear and tear or damage through alteration. Amex purchase protection lasts for 90 days from the purchase date. Our opinions are our own. Fortunately, several American Express credit cards are equipped with the handy purchase protection perk. 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. Big spenders should note that the purchase protection on. This is just one scoring method and a credit card issuer may use another method when considering your application. Cost includes $12.95 plus applicable local sales tax. With this benefit, you're able to claim up to a. Most Cards allow up to $1,000 per incident, with a limit of $50,000 per year. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. Negotiable instruments including travelers' checks and gift cards. Phone fell out of my pocket getting out of the car and cracked the rear glass. stream $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card. So how do we make money? American Express | Membership Rewards - American Express Purchase Protection - I had a claim last year where the damage was sustained on the 89th/90th day. 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. Terms apply. 2023 American Express. Get more smart money moves straight to your inbox. And Visa offers Purchase Security to Visa Infinite cardmembers. If an item is broken, take pictures to document the broken item and make sure that you keep the broken item until either it is requested by American Express or your claim is paid and closed. The Platinum Card, Gold Card, Delta SkyMiles Reserve Card, Hilton Aspire Card, and Marriott Bonvoy Brilliant Card are just a few examples. Money Management 101. You also may be asked to return the item to Amex in the event it cant be repaired or to provide proof of loss via a repair estimate form or photographs showing the item's current condition. Here's a step-by-step guide to submitting a claim for return protection through Amex. Here is a list of our partners. Frequently Asked Questions. Marriott Bonvoy Brilliant American Express Card. Check your eligibility here. Purchase Protection If your eligible item* is either stolen or accidentally damaged up to 90 days after you've bought it, we'll reimburse you up to 2,500. The coverage maximums vary by card, though. But can you use your credit card to do so? Terms apply to the offers listed on this page. One-of-a-kind items, such as antiques and artwork, or limited-edition items. For this purchase protection coverage to apply, you must pay for at least a portion of the purchase with your Amex card or American Express rewards points. Just like if you were returning the item to the store you bought it from, Amex will reimburse you for taxes but not shipping. endobj Finance. Most products bought with your American Express card are covered by Amex purchase protection. You can do so online or by calling Amex at 1-800-322-1277. How can I check the status of a claim? }lO861|<>?] _$QH:V^Y$6,Da1h(IAY# Select the Card below to read the full terms and conditions for Return Protection related to that Card. All information about The Amex EveryDay Preferred Credit Card from American Express has been collected independently by NerdWallet.
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