amex platinum purchase protection lost item

NerdWallet strives to keep its information accurate and up to date. Maximum coverage per purchase protection claim: $500. Claim processing and payment is usually complete within 30 days. 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. Do balance transfers affect your credit score? Does the Gold card have purchase protection? You can do so online or by calling Amex at 1-800-322-1277. To take advantage of this benefit, first review your card's benefit statement to see whether you are eligible for reimbursement if a purchase is damaged, stolen or lost. Many times, claims examiners will ask you to submit photos of your broken item to verify its condition and American Express may request that you send your broken item to them. As a digital nomad for nearly five years, JT proves through experience that credit card rewards can drastically reduce the cost of travel. Best card for premium perks while traveling, Capital One Venture X Rewards Credit Card, The Business Platinum Card from American Express, Quick Points: Hyatt Globalists get free parking on award stays, What are points and miles worth? This purchase protection product covers damage and theft, but only up to $500 per claim and $50,000 per account. When you purchase an item with a manufacturer's warranty, this benefit can add an extra year to the warranty. You can view the full extended warranty policy for each card. endstream endobj 962 0 obj <>>>/Filter/Standard/Length 128/O(-ZK*Kme P1Fi dX)/P -1340/R 4/StmF/StdCF/StrF/StdCF/U(U-q U )/V 4>> endobj 963 0 obj <>/Metadata 89 0 R/OCProperties<>/OCGs[973 0 R]>>/Outlines 294 0 R/PageLayout/OneColumn/Pages 957 0 R/StructTreeRoot 349 0 R/Type/Catalog>> endobj 964 0 obj <>/Font<>/ProcSet[/PDF/Text]>>/Rotate 0/StructParents 0/Tabs/S/Type/Page>> endobj 965 0 obj <>stream All information about The Amex EveryDay Preferred Credit Card from American Express has been collected independently by NerdWallet. Our partners compensate us. The Centurion Card from American Express and The Business Centurion Card from American Express. Terms, Conditions and Limitations Apply. The ideal credit card to aim for is one that will both maximize your earning on the purchase and give you protection against theft and damage. Blue Cash Everyday Card from American Express. Items not being safeguarded or left at an unlocked location. Policies are underwritten by AMEX Assurance Company. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Please visit americanexpress.com/benefitsguide for more details. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105, The Guide to AmEx Purchase Protection on Travel Cards. 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. 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). In addition to stolen and damaged items, AmEx purchase protection also covers items lost within the coverage period. 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. Additional reporting by Stella Shon, Carissa Rawson, Christina Ly and Ryan Smith. In contrast, more than a dozen personal American Express cards include loss as a qualified purchase protection reason in their benefits. Plus, your own feed of TPG content. Purchase protection will reimburse you for theft, loss or accidental damage to eligible items that occurred within 90 days of purchase. Covered Eligible Purchases are items bought with your Eligible Card and are covered for the first 90 days after the day of purchase. Finally, some American Express cards offer purchase protection even when you lose a recently-purchased item. TPG values this bonus at $1,200. A variable APR of 19.49%28.24% applies thereafter. 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. This benefit offers cardholders compensation when a store will not accept an eligible item for return within 90 days of purchase. Terms apply. 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. Does AmEx purchase protection cover lost items? How do I Redeem Membership Rewards Points. If you're hitting the skies soon, you'll also earn bonus points on travel. Something went wrong. Visit americanexpress.com/benefitsguide for details. For return protection, you have to file a claim within 90 days of your original purchase.. * These cards include: The Platinum Card from American Express. Terms and conditions will apply. 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. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. its said 10 business but its already past. Related: How an often-overlooked credit card benefit put $1,400 back in my wallet. diamondsaremadeunder 3 yr. ago. When an American Express Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. How Much Are Travel Points and Miles Worth in 2023? ;*KLjmNT Earning rates: 10 miles per dollar spent on hotels and rental cars booked through Capital One Travel; 5 miles per dollar spent on flights booked through Capital One Travel; 2 miles per dollar spent on all other purchases. Our points-obsessed staff uses a plethora of credit cards on a daily basis. *Excess of 50 applies. 995 0 obj <>stream 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. **, Morgan Stanley Blue Cash Preferred American Express Card.**. 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. 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. Claims can be made online or by giving American Express a call at 1-800-322-1277. Related: Your complete guide to shopping protections on American Express cards. If an eligible item is lost, accidentally broken, or stolen within 90 days of the purchase date, Amex may reimburse its value. Call the number on the back of your card if you have any questions regarding eligibility, the documentation needed or the process required to file a claim. Can You Buy Gift Cards with a Credit Card? Your financial situation is unique and the products and services we review may not be right for your circumstances. 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. The purchase must be made in the United States, be in like new condition and the merchant must have previously denied the return. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105, Purchase Protection: Which Credit Cards Cover Your Belongings. 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. Finally, its not that hard to snap a photo of a receipt and retain it in your smartphones cloud storage archive for many years. The rotating bonus categories offered by the Chase Freedom Flex make it an excellent choice for purchases that fit into bonus categories. pAxTu:E4 VB8H_ fUsF4A~ScD_ ^8v8_]gw`\7f(g~5"ip JI. Consumable or perishable items like food and batteries. We may receive compensation when you click on links to those products. 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. Notably, American Express prepaid debit cards do not come with this benefit. The best credit cards for travel insurance benefits. Almost every American Express credit and charge card offers purchase protection of some degree. Other business cards only offer coverage for damaged or stolen items on purchase protection claims. When evaluating offers, please review the financial institutions Terms and Conditions. Nonetheless, this useful benefit can save you hundreds (maybe thousands) if you have the misfortune of theft or damage on a covered purchased item within 90 days of purchasing the item. Earn 4X Membership Rewards Points at Restaurants, plus takeout and delivery in the U.S. The card details on this page have not been reviewed or provided by the card issuer. This site does not include all credit card companies or all available credit card offers. So, checking the terms for your AmEx card when you need coverage is essential. has been a Senior Points and Miles Contributor for TPG since 2012. Terms apply. All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. However, this card doesnt offer extended warranty or return protection. You might be using an unsupported or outdated browser. Coverage Limits Apply. This influences which products we write about and where and how the product appears on a page. Coverage is limited to the amount charged to your card, up to $10,000 per item and $50,000 per card each calendar year.^. 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. Related: Battle of the premium travel rewards cards which is best for you? With purchase protection, you can file a claim to be reimbursed for any eligible item you bought with The Platinum Card from American Express if . 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. So, you can't claim purchase protection if your baseball bat or hockey stick breaks. Editors note: This is a recurring post, regularly updated with new information. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Delta SkyMiles Reserve Business American Express Card. Can You Get a Credit Card Without a Social Security Number? If filing online, you will be prompted to submit required documents to support your claim. Terms apply. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. Cash and its equivalent (including, but not limited to, gift cards and gift certificates). This information may be different than what you see when you visit a financial institution, service provider or specific products site. Meanwhile, here's the list of small business cards from AmEx with this benefit: The Business Platinum Card from American Express. To view rates and fees of the Delta SkyMiles Reserve American Express Card, see this page. has been collected independently by NerdWallet. NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. If submitting a claim by phone, you will be asked certain questions about your claim. These are provided as guidelines only and approval is not guaranteed. 5 points per dollar on flights booked directly with airlines or Amex Travel (up to $500,000 on these purchases per calendar year, then 1 point per dollar); 5 points per dollar on prepaid hotels booked through Amex Travel; 1 point per dollar on other purchases. Performance information may have changed since the time of publication. 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.). Official application link: Blue Cash Everyday Card from American Express. Be ready to provide an itemized online receipt or original store receipt of the item as you will need it to receive claim consideration. Policies are underwritten by AMEX Assurance Company. Shopping online for a car is an accelerating trend changing the purchase process from start to finish. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. In these cases, Amex will refund the entire purchase price up to $300 per item, excluding shipping and handling charges. Shop safe withSafeKey. More information can be found, American Express makes it easy you can file your claim. As with any insurance or coverage product, AmEx purchase protection comes with limitations and exclusions. Find the right card for you. Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Blue Cash Preferred Card from American Express. Maximum coverage per purchase protection claim: $1,000 per item ($500 per event if related to a natural disaster). Visit americanexpress.com/benefitsguide for details. This compensation comes from two main sources. This benefit is limited to $1,000 annually. Purchase protection can save your skin and protect the items you've purchased if a recently-bought item is damaged or stolen. Purchase Protection Protect your shopping Enjoy stress-free shopping when you use your American Express Card, with 90-day Purchase Protection. 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. This card shines for this use, but overall the star ratings may differ when compared to other cards. The extended warranty period is an additional year and is limited to covering the actual purchase amount paid for with your card. After logging in, click "File a Claim." Go through the online claim process and provide the required information. 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. *Eligibility and Benefit level varies by Card. Once youve submitted the necessary supporting documents, American Express will send you an email confirmation stating your documents were received. Maximum coverage per account for purchase protection: $50,000. Like insurance, purchase protection is one of those things that you hope you never have to use. How do I Redeem Membership Rewards Points. 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. Virtually all Amex Membership Rewards, cash back and travel credit cards come with this benefit, ranging from basic cards to ultra-premium cards like The Platinum Card from American Expressand co-branded cards with Hilton and Delta (Terms apply). Business Green Rewards Card from American Express. , other credit card benefits you might be eligible for. 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. By Cristina Gibson | American ExpressCredit IntelFreelance Contributor. Amex purchase protection lasts for 90 days from the purchase date. Terms apply. 0 Subject to additional terms, conditions and exclusions. All policies have a maximum limit of $50,000 in claims per calendar year. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. You will be asked for a copy of the receipt, your Amex purchase record and the original warranty. One-of-a-kind items, such as rare stamps and coins. 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 is a financial services company that offers credit cards, debit cards, charge cards and travel services. Eligibility and Benefit level varies by Card. Not a Cardmember yet? , AmEx purchase protection only covers a maximum of $500 in claims per event. Delta SkyMiles Reserve Business American Express Card. This post contains references to products from one or more of our advertisers. Please read important exclusions and restrictions. However, this does not influence our evaluations. Platinum. If a loss is due to theft, you may need to provide a copy of the police report. Several credit cards may even provide protection if you lose a recently-purchased item. read full answer Pre-qualified offers are not binding. Commissions do not affect our editors' opinions or evaluations. For a complete description of the policies of your American Express card, select your card on this page. So how do we make money? 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 are covered by AmEx's purchase protection coverage. So you finally splurged for an Apple Watch and broke it a week later. This card has the brawn to handle just about all of your credit card spending needs without an over-inflated price tag. So how do we make money? same thing happened to me, left a small bag under front seat. 961 0 obj <> endobj

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