The Platinum Card from American Express American Express Gold Card and Delta SkyMiles Reserve American Express Card are just a few examples. Our opinions are our own. Offer ends 3/29/23. However, if your item is just lost or missing, you wont need a police report. Terms, conditions and limitations apply. Welcome bonus: Earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first six months of card membership. Read more. When you purchase an item with a manufacturer's warranty, this benefit can add an extra year to the warranty. When evaluating offers, please review the financial institutions Terms and Conditions. For The Platinum Card from American Express, Delta SkyMiles Reserve American Express Card, American Express Gold Card, Gold Card, and Ameriprise Gold Card Members Purchase Protection can also help protect your purchases for up to 120 days* from the date of purchase if the item is stolen, accidentally damaged or lost. 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 contrast, several premium American Express Cards provide coverage of up to $10,000 per incident, up to $50,000 per card member account per calendar year. 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). 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. when you need coverage is essential. hbbd``b`@/P k ";d100O@ T9 3 Other shopping protections: Extended warranty protection offers an additional year on eligible warranties of three years or less. Make sure to file a claim within 30 days of the incident - or as soon as reasonably possible. Check your benefits guide for complete details. Our points-obsessed staff uses a plethora of credit cards on a daily basis. Cellphone protection is available for up to $800 per claim and up to $1,000 per year for phones listed on a monthly cellphone billed paid with the Freedom Flex card. When evaluating offers, please review the financial institutions Terms and Conditions. All information about Business Green Rewards Card from American Express has been collected independently by NerdWallet. Finally, its not that hard to snap a photo of a receipt and retain it in your smartphones cloud storage archive for many years. *, 4 points per dollar at restaurants and at U.S. supermarkets (on up to $25,000 per calendar year, then 1 per dollar); 3 points per dollar on flights booked directly with the airline or purchased through. 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. Personal hygiene items or any devices (medical or nonmedical) that have been personally used and could be considered a health risk to others. See the respective Guide to Benefits for details, as terms and exclusions apply. In these cases, Amex will refund the entire purchase price up to $300 per item, excluding shipping and handling charges. Amex purchase protection lasts for 90 days from the purchase date. Amex purchase protection has been absolutely fantastic for the occasional janky Amazon purchase, particularly marketplace items. Instead, check the benefits guide to see the card's purchase protection coverage. An itemized receipt from the retailer showing the purchase. this adds to already-existing purchase protection and extended warranty . How do I find and add Amex Offers to my Card? 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. 10 mile per dollar on hotels and rental cars booked through Capital One Travel; 5 miles per dollar on flights booked through Capital One Travel; 2 miles per dollar on all other purchases. $1,000 per item (or $500 per event for natural disasters).*. Services and additional costs, such as installation charges, warranties, shipping, handling and memberships. Any other documentation needed to substantiate your claim. 2023 Forbes Media LLC. Business fixtures including air conditioners, refrigerators and heaters. We believe everyone should be able to make financial decisions with confidence. You would only be reimbursed up to the amount charged on the card. Delta SkyMiles Reserve American Express Card. Other shopping protections: Extended warranty protection offers one additional year of coverage for items with an original manufacturers warranty of five years or less. 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 This should be covered under lost item assuming you have the receipt etc. Anything purchased for resale or commercial use. Visit americanexpress.com/benefitsguide for details. Would probably help your claim, Amex should be able to help you out. Have you considered how much it will cost to use credit card while traveling abroad? Items purchased for professional or commercial use such as education, training or skills. 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. Official application link: American Express Gold Card. This card has the brawn to handle just about all of your credit card spending needs without an over-inflated price tag. All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. If your claim is successful, the credit card company will choose to replace, repair or reimburse you for the lost or damaged item. Earn a $200 bonus after spending $500 on purchases in your first 3 months from account opening. Things To Do Before Canceling A Credit Card, Best Credit Cards For Travel Insurance Benefits, American Express Business Platinum Review, Delta SkyMiles Reserve Credit Card Review, Rotating quarterly categories earn 5% rewards when activated, up to a combined quarterly $1,500 maximum, Travel rewards rate rivals some of the best premium travel cards, Generous rewards rate in several other categories, Travel bookings must be made through Chase Ultimate Rewards to earn 5% cash back. Shop safe withSafeKey. Purchase protection offers short-term insurance for your everyday purchases, in case the items are stolen or damaged. 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. We may receive compensation when you click on links to those products. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. 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. When deciding which travel rewards card to use for large purchases, its important to look beyond the points and miles you earn. Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. You must file a claim within 30 days of loss through this link or by calling 800-228-6855. As with any insurance or coverage product, AmEx purchase protection comes with limitations and exclusions. One-of-a-kind items, such as antiques and artwork, or limited-edition items. 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. Amex Platinum Lost Item Purchase Protection Question So I recently. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. 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. Delta SkyMiles Gold American Express Card. So I recently. Our points-obsessed staff uses a plethora of credit cards on a daily basis. Subject to additional terms, conditions and exclusions. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. only covers up to $10,000 per covered purchase. How do I Earn Membership Rewards Points? 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. All you need to do to get this coverage is to use your eligible AmEx card to make a covered purchase of a tangible item. How to file a purchase protection claim with Amex. Not as useful for those living outside the U.S. * Eligibility and benefit levels vary by card. The card details on this page have not been reviewed or provided by the card issuer. Purchase Protection Protect your shopping Enjoy stress-free shopping when you use your American Express Card, with 90-day Purchase Protection. 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. If an eligible item is lost, accidentally broken, or stolen within 90 days of the purchase date, Amex may reimburse its value. ^Eligibility and benefit levels vary by card. You want a travel credit card that prioritizes whats important to you. Also, note that some losses are excluded such as if you left the item in an unlocked car. Consumable or perishable items like food and batteries. 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). Press question mark to learn the rest of the keyboard shortcuts. Terms and conditions will apply. EgnS+JoYlUR fbcv,R38{TA\ =e`%! Related: How an often-overlooked credit card benefit put $1,400 back in my wallet. The best credit cards for travel insurance benefits. 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. This benefit offers cardholders compensation when a store will not accept an eligible item for return within 90 days of purchase. Purchase Protection often covers loss, damage and theft for a short period of time, usually a few months, after purchase. Editors note: This is a recurring post, regularly updated with new information. The Platinum Card, Gold Card, Delta SkyMiles Reserve Card, Hilton Aspire Card, and Marriott Bonvoy Brilliant Card are just a few examples. Underwritten by AMEX Assurance Company. 0% intro APR for 15 months from account opening on purchases and balance transfers. Here is a list of our partners and here's how we make money. Cards that still offer this benefit include: ** The information for these cards has been collected independently by The Points Guy. 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 . For example Mastercard offers Purchase Assurance to many Mastercard holders. I have the Platinum card so would this be covered under lost item protection or would I be SOL? Posts: 13,805. However, this does not influence our evaluations. Purchase protection can save your skin and protect the items you've purchased if a recently-bought item is damaged or stolen. So how do we make money? The other card networks often offer their own purchase protections as part of their network affiliation. ;*KLjmNT Dozens of cards offer this benefit. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. Items permanently affixed to a home, office, vehicles, etc. Youll be asked for a copy of the receipt and your Amex purchase record. 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.