amex platinum purchase protection lost item

Ben Luthi is a former credit card specialist for NerdWallet. For claims filed internationally, you can dial 1-303-273-6498. 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. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. 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. Related: The best credit cards with price protection. There are credit cards offering purchase protection that aren't included in this list. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Terms apply. These cards, each chosen with a particular type of consumer or purchase in mind, are discussed below. This coverage is complimentary on most AmEx cards including some debit,. Cash and cash-like items including gift certificates, stamps and coins. If you purchase a high-end $2,500 laptop, you should charge it to your premium card with a $10,000 per incident limit rather than a card with a $1,000 per incident coverage limit. And Visa offers Purchase Security to Visa Infinite cardmembers. Earn 60,000 Membership Rewards points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership. 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. Business Green Rewards Card from American Express is no longer available through NerdWallet. Delta SkyMiles Reserve Business American Express Card. The card details on this page have not been reviewed or provided by the card issuer. You will need to provide American Express with the original store receipt or a printout of an online receipt. 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. Items damaged by natural disasters are subject to different terms and limits notated in each cards terms and conditions. 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. NerdWallet strives to keep its information accurate and up to date. How do I Earn Membership Rewards Points? Marriott Bonvoy Business American Express Card. Underwritten by AMEX Assurance Company. Underwritten by AMEX Assurance Company.. But can you use your credit card to do so? The claim should be provided within thirty (30) days of the loss or as soon as reasonably possible. Visit americanexpress.com/benefitsguide for details. ^ Eligibility and benefit levels vary by card. Coverage is limited to the amount charged to your card, up to $10,000 per item and $50,000 per card each calendar year.^. Our opinions are our own. When we think of travel rewards card benefits, we tend to think of lounge access, free checked bags and companion tickets, but dont stop there. when you need coverage is essential. In these cases, Amex will refund the entire purchase price up to $300 per item, excluding shipping and handling charges. We'll run a soft credit check to find special offers, but it wont affect your credit score. This post contains references to products from one or more of our advertisers. Find the right card for you. 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. Purchase Protection is amazing (Plat) Had a great experience with Amex Purchase Protection on the Plat. Visit americanexpress.com/benefitsguide for details. 2 points per dollar on flights booked directly with United, dining and hotel stays when booked directly with the hotel; 1 point per dollar on other purchases. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Items purchased for resale, professional or commercial use. Note that purchase protection is different from. How Much Are Travel Points and Miles Worth in 2023? its said 10 business but its already past. All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. Press J to jump to the feed. If filing online, you will be prompted to submit required documents to support your claim. Cash and its equivalent (including, but not limited to, gift cards and gift certificates). Information provided on Forbes Advisor is for educational purposes only. Return protection differs from AmEx's purchase protection, which covers you if a purchase is lost or stolen within 90 days. All Credit Intelcontent is written by freelance authors and commissioned and paid for by American Express. There's a lot to love about the Amex Gold card. By Cristina Gibson | American ExpressCredit IntelFreelance Contributor. Hence, its worth referencing the guide to benefits for each card in your wallet to determine whether they have that coverage as well as other valuable shopping and travel protections. So for example, if someone were to break into your car and steal your laptop, youd be covered under purchase protection, as long as you purchased it with your American Express card. How To Find The Cheapest Travel Insurance. TPG values this bonus at $1,200. If you have an item that was damaged or stolen shortly after you purchased it, it can be worth checking the guide to benefits of the card you used to purchase that item to see if a form of purchase protection applies. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). For a complete description of the policies of your American Express card, select your card on this page. JavaScript must be enabled to experience the American Express website and to log in to your account. Pre-qualified offers are not binding. Best card for premium perks while traveling, Capital One Venture X Rewards Credit Card, The Business Platinum Card from American Express, Disney Cruise Lines Castaway Club loyalty program: Everything you need to know, 21 new Hyatt hotels where you can get 500 extra points per night, My first cruise to the Galapagos: The good, the bad and the absolutely adorable. Covered Eligible Purchases are items bought with your Eligible Card and are covered for the first 90 days after the day of purchase. American Express also has a range of versatile credit cards with competitive interest rates and benefits such as travel insurance, cashback, extended warranty and more! Terms, Conditions and Limitations Apply. All consumer American Express cards offer purchase protection for eligible purchases. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. The Platinum also offers 90 days of return protection, up to $300 per item. Terms apply. 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. Plus, not all damage and losses are covered. 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. Most Cards allow up to $1,000 per incident, with a limit of $50,000 per year. We'd love to hear from you, please enter your comments. One-of-a-kind items, such as antiques and artwork, or limited-edition items. If your Card is not listed on this page, if you are an Additional Card Member, or to determine whether you have coverage, please call the number on the back of your Card to verify your benefits View Policy View Policy View Policy View Policy These online records helped me file my Amex claims quickly, rather than digging through a shoebox full of paper receipts. Earn 100,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 3 months. Claims can be made online or by giving American Express a call at 1-800-322-1277. Our points-obsessed staff uses a plethora of credit cards on a daily basis. In the event of theft, you must also include a copy of a police report. Often, you will get a response to your initial claim inquiry within 48 hours. Be sure to check each cards individual purchase protection policy before making an expensive purchase on an Amex card. Welcome bonus: Earn $200 cash back after spending $500 on purchases in your first three months of account opening. 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. 971 0 obj <>/Encrypt 962 0 R/Filter/FlateDecode/ID[]/Index[961 35]/Info 960 0 R/Length 65/Prev 833811/Root 963 0 R/Size 996/Type/XRef/W[1 2 1]>>stream ^Eligibility and benefit levels vary by card. Be ready to provide an itemized online receipt or original store receipt of the item as you will need it to receive claim consideration. In short, covered purchases are covered for up to 90 days from the date of purchase for up to $10,000 per covered purchase and up to $50,000 per eligible card per calendar year. You must file a claim within 30 days of your covered loss and you can do so online or by calling 800-228-6855. Editorial Note: We earn a commission from partner links on Forbes Advisor. You can view the full extended warranty policy for each card. About the author: Ben Luthi is a former credit card specialist for NerdWallet. 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. 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. You can do so online or by calling Amex at 1-800-322-1277. All information about Amex EveryDay Credit Card has been collected independently by NerdWallet . I have the Platinum card so would this be covered under lost item protection or would I be SOL? 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. If a loss is due to theft, you may need to provide a copy of the police report. 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. 5% cash back on up to $1,500 in combined purchases in rotating bonus categories each quarter (requires activation) and on travel booked through the. Official application link: Blue Cash Everyday Card from American Express. , AmEx purchase protection only covers a maximum of $500 in claims per event. 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 Blue Cash Everyday Card from American Express is good for earning 3% cash back at U.S. supermarkets (up to $6,000 per calendar year, then 1%), but shopping protection benefits arent beneficial on most supermarket purchases. Check your benefits guide for complete details. 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. * Eligibility and benefit levels vary by card. 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.^. You should also know that purchase protection does not cover damage to items when shipped by a third party and under their temporary care, including a common carrier. Personal cards with purchase protections from AmEx include: The Platinum Card from American Express. Shop safe withSafeKey. After logging in, click "File a Claim." Go through the online claim process and provide the required information. Terms apply. Gold or Rose Gold. Earn 4X Membership Rewards Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Delta SkyMiles Platinum Business American Express Card. Our partners compensate us. Big spenders should note that the purchase protection on. 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. Simply losing or misplacing the purchase (although the policies for the Delta Reserve, Delta Reserve Business, Hilton Aspire and all consumer versions of the Amex Platinum Card do cover lost or misplaced items). Items not being safeguarded or left at an unlocked location. Editors note: This is a recurring post, regularly updated with new information. This benefit is limited to $1,000 annually. 0 For return protection, you have to file a claim within 90 days of your original purchase.. American Express processes claims more quickly than some other issuers. 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. The American Express Gold Card has one of the lowest annual fees of American Express cards that offer generous $10,000 purchase protection coverage per item (excluding natural disasters). Click "file a claim" and select the card for which you're filing a claim, enter your date of purchase and click "continue.". Please view our advertising policy page for more information. Earn 4X Membership Rewards Points at Restaurants, plus takeout and delivery in the U.S. Purchase protection coverage limits vary among American Express cards, so its important that you review your cards guide to benefits so that you understand the coverage limits and exclusions that apply to you. 5% cash back at office supply stores and internet, cable and phone services (on up to $25,000 of purchases per year, then 1%); 2% back at gas stations and restaurants (on up to $25,000 per year in purchases, then 1%); 1% back on all other purchases. Coverage Limits Apply. And be aware of excluded purchases, too. 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. The Capital One Venture X Rewards Credit Card is an excellent everyday spending card. Editors note: This is a recurring post, regularly updated with new information. I got off my flight and realized 20 minutes later that they were missing, I ran back to my gate and asked the flight attendant to go look for me and she said they weren't in my seat. The claim was quickly accepted, and I was issued a statement credit for my purchase. Location: ZOA, SFO, HKG. FlyerTalk Evangelist. 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. diamondsaremadeunder 3 yr. ago. Related: Your complete guide to shopping protections on American Express cards. The Ink Business Cash Credit Card offers up to $10,000 per claim in purchase protection on a card with no annual fee. So, checking. Policies are underwritten by AMEX Assurance Company. Earn 4X Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Terms, conditions and limitations apply. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. 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. Pre-qualified offers are not binding. Read more. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. Her focus at TPG is points, miles, loyalty and credit cards. 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. Many popular rewards credit cards come with generous welcome offers and useful benefits to attract consumers. 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. endstream endobj startxref Amazon marketplace merchant won't accept returns after 30 days. AmEx purchase protection excludes a long list of types of purchases, including: Antiques, artwork and previously used items. Notably, American Express prepaid debit cards do not come with this benefit. Can You Buy Gift Cards with a Credit Card? Other shopping protections: Extended warranty protection adds an additional year to eligible manufacturers warranties of three years or less while return protection covers returns within 90 days of purchase. Make sure to file a claim within 30 days of the incident - or as soon as reasonably possible. 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. 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. 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. However, this card is so packed with benefits that this coverage doesn't make the card's highlights on the AmEx website. Permanent household items such as carpet, flooring, air conditioners and refrigerators. 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. To file a claim with Amex purchase protection, you can do so online or by calling 800-228-6855. Maximum coverage per account for purchase protection: $50,000. Credit ranges are a variation of FICO Score 8, one of many types of credit scores lenders may use when considering your credit card application. The card details on this page have not been reviewed or provided by the card issuer. Personal hygiene items or any devices (medical or nonmedical) that have been personally used and could be considered a health risk to others. Your financial situation is unique and the products and services we review may not be right for your circumstances. Juan's passion is helping readers navigate through the complex world of frequent flier miles, credit card rewards points and award travel.