amex platinum purchase protection lost item

The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Once youve submitted the necessary supporting documents, American Express will send you an email confirmation stating your documents were received. For example, AmEx won't approve a claim for damage to an item "purchased for play." *Eligibility and Benefit level varies by Card. 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. The other card networks often offer their own purchase protections as part of their network affiliation. 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! If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. 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. 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. 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. 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. This information may be different than what you see when you visit a financial institution, service provider or specific products site. 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. When deciding which travel rewards card to use for large purchases, its important to look beyond the points and miles you earn. Terms apply. Eligible AmEx cardmembers can still file a purchase protection claim for a covered loss even if you've redeemed Membership Rewards points for all or part of that purchase including Pay With Points redemptions. If there is a chance that an item might get broken or stolen, make sure that it is charged to your eligible American Express card. Its a good idea to keep damaged items until the claim is complete. 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. Enrollment required. The card has an annual fee of $0, yet comes with a pumped-up earnings structure that covers a wide swath of expenses including travel, drugstores and dining plus rotating quarterly bonus categories in areas many households are likely to find appealing. This benefit offers cardholders compensation when a store will not accept an eligible item for return within 90 days of purchase. Purchase Protection Protect your shopping Enjoy stress-free shopping when you use your American Express Card, with 90-day Purchase Protection. The following items are excluded from this policy: See the entire return protection policy for your card here. Maximum coverage per account for purchase protection: $50,000 per card per calendar year. Delta SkyMiles Platinum Business American Express Card: $15 back per month on U.S . 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. Reply FitYNABer Additional comment actions AMEX Purchase Protection is AWESOME! 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. Business Green Rewards Card from American Express. Shop moreconfidently with your Card knowing we have your back. Eligibility and Benefit level varies by Card. Subject to additional terms, conditions and exclusions. 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. Tip: Use WalletFlo for all your credit card needs. In addition to stolen and damaged items, AmEx purchase protection also covers items lost within the coverage period. bought the Airpods Max and ended up loosing them on my flight, I put them in the seat pocket in front of me during the meal and completely forgot that they were in there. Hilton Honors American Express Surpass Card. Compare the cost in points or miles to cash, and see which option is best. Related: Your guide to the Chase Ink Business credit cards. Finally, some American Express cards offer purchase protection even when you lose a recently-purchased item. Coverage Limits Apply. Keep in mind that if you have a primary insurance policy covering the item, you must file a claim there before approaching your credit card issuer to use purchase protection. Purchase protection saved us $1,700 a reader success story, These are the cards TPG staff reach for in case of emergency, Delta SkyMiles Reserve American Express Card, Delta SkyMiles Reserve Business American Express Card, Hilton Honors American Express Aspire Card, Marriott Bonvoy Brilliant American Express Card, The 5 Amex cards were keeping in our wallets and why, Do Not Sell or Share My Personal Information, $10,000 per item (or $500 per event for natural disasters). Purchase protection will reimburse you for theft, loss or accidental damage to eligible items that occurred within 90 days of purchase. Whether you want to pay less interest or earn more rewards, the right card's out there. Find out here how we keep you up to date. This post contains references to products from one or more of our advertisers. Improve earnings, maximize rewards and track progress toward dream trips. If you're hitting the skies soon, you'll also earn bonus points on travel. One-of-a-kind items, such as rare stamps and coins. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Terms apply. You want a travel credit card that prioritizes whats important to you. Some issuers also refer to this benefit as purchase security. This coverage is complimentary on most AmEx cards including some debit,. Explore our Cards Terms and Conditions Hilton Honors American Express Aspire Card is no longer available through NerdWallet. Have you considered how much it will cost to use credit card while traveling abroad? I was not asked to return the items in question in either case. More information can be found, American Express makes it easy you can file your claim. 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. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. And be aware of excluded purchases, too. 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. You might be using an unsupported or outdated browser. To provide notice you can call Amex at the following phone number: 1-800-322-1277 or, if from overseas, by calling collect 1-303-273- 6498. Terms apply. Plus, AmEx can change the coverage at any time. How To Find The Cheapest Travel Insurance. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. Amex Platinum Shopping Benefits: Purchase Protection, Credits and More shopping purchases when you use your Eligible Card. You will be asked certain questions about your claim at that time. update? After logging in, click "File a Claim." Go through the online claim process and provide the required information. 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. I was notified about a week later that my claim had been accepted, and I was issued a statement credit for the purchase price. 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. By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. Please try again later. All Credit Intelcontent is written by freelance authors and commissioned and paid for by American Express. To view rates and fees of the American Express Gold Card, see this page. The Centurion Card from American Express and The Business Centurion Card from American Express. 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. 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. Consumable or perishable items like food and batteries. 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. Learn more: How to add money-saving AmEx . 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. * Eligibility and benefit levels vary by card. Cristina Gibson is a writer and journalist who has covered consumer goods, fashion, technology, and travel for more than 15 years. 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. American Express purchase protection works by covering the damage or theft of eligible purchases for up to 90 days after the purchase date. The annual maximum is also pretty generous at $50,000 per year for most cards. Often, you will get a response to your initial claim inquiry within 48 hours. Terms apply to the offers listed on this page. **, Morgan Stanley Blue Cash Preferred American Express Card.**. The warranty wont cover the damage, and you didnt think youd need AppleCare. The American Express Platinum cards are eligible for American Express Purchase Protection. $10,000 per claim, $50,000 per year for the American Express Gold Card, The Platinum Card from American Express and Delta SkyMiles Reserve . This benefit covers eligible items purchased with an eligible American Express card against damage or theft. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Many or all of the products featured here are from our partners who compensate us. read full answer Note that purchase protection is different from. This benefit is limited to $1,000 annually. Official application link: Chase Freedom Flex. Purchase protection offers short-term insurance for your everyday purchases, in case the items are stolen or damaged. Health care items and/or medical equipment. We believe everyone should be able to make financial decisions with confidence. Terms, conditions and limitations apply. Get more smart money moves straight to your inbox. 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. Credit Score ranges are based on FICO credit scoring. 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 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.^. About the author: Ben Luthi is a former credit card specialist for NerdWallet. If an eligible item is lost, accidentally broken, or stolen within 90 days of the purchase date, Amex may reimburse its value. After working as a tax accountant for a decade, JT turned his analytical skills to points, miles and credit cards. Coverage on the SPG card remains at $1,250 for carry-on baggage and $500 for checked baggage. 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. Delta SkyMiles Reserve American Express Card. Coverage applies for 90 days after purchasing the item. You will be asked for a copy of the receipt, your Amex purchase record and the original warranty. only covers up to $10,000 per covered purchase. 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. Purchase protection can save your skin and protect the items you've purchased if a recently-bought item is damaged or stolen. Finally, be diligent, complete and timely when you file your claims. 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. If a loss is due to theft, you may need to provide a copy of the police report. Although this guide focuses on purchase protection, you should also consider benefits like return protection, price protection and extended warranty. Some may have trouble using Uber/food credits. Amex's extended warranty perk applies to warranties of five years or less. Benefits also includes a per occurrence maximum for any one Purchase Protection Covered Event related to a Natural Disaster as describedbelow . this adds to already-existing purchase protection and extended warranty . You will be asked certain questions about your claim at that time. Plus, AmEx can change the coverage at any time. when you need coverage is essential. There's a lot to love about the Amex Gold card. 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. has been collected independently by NerdWallet . 2023 American Express. JT Genter is a freelance points, miles and credit card writer formerly of The Points Guy. I have the Platinum card so would this be covered under lost item protection or would I be SOL?

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