amex platinum purchase protection lost item

0 Almost every American Express credit and charge card offers purchase protection of some degree. The rotating bonus categories offered by the Chase Freedom Flex make it an excellent choice for purchases that fit into bonus categories. The card details on this page have not been reviewed or provided by the card issuer. Visit americanexpress.com/benefitsguide for details. To be eligible, all you have to do is charge a portion of your qualifying purchase to your American Express card but you'll only be reimbursed up to the amount charged to your card. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. 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. Our partners cannot pay us to guarantee favorable reviews of their products or services. As always, check your credit cards guide to benefits to see which benefits apply to you. Pre-qualified offers are not binding. Maximum coverage per purchase protection claim: $10,000. Paired with up to $120 in Uber Cash (for U.S. Uber rides or Uber Eats orders) and up to $120 in annual dining statement credits at eligible partners, there's no reason that the foodie shouldn't add this card to their wallet. The information for the Amex Green Card has been collected independently by The Points Guy. Official application link: American Express Gold Card. However, this does not influence our evaluations. You will be asked certain questions about your claim at that time. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Additional reporting by Stella Shon, Carissa Rawson, Christina Ly and Ryan Smith. is no longer available through NerdWallet. After working as a tax accountant for a decade, JT turned his analytical skills to points, miles and credit cards. 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. Please try again later. All Rights Reserved. To be eligible for purchase protection, you must use an American Express card equipped with this benefit and charge at least a portion of your qualifying purchase to that card. For Capital One products listed on this page, some of the above benefits are provided by Visa or Mastercard and may vary by product. The extended warranty period is an additional year and is limited to covering the actual purchase amount paid for with your card. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. Related: Your complete guide to shopping protections on American Express cards. Terms, Conditions and Limitations Apply. 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. The following are ineligible for coverage: Also excluded is loss or damage due to any of the following reasons: Additionally, the maximum protection related to a natural disaster is $500. Check here before booking an award fare. Books, magazines or periodicals of any kind. The Capital One Venture X Rewards Credit Card is an excellent everyday spending card. 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. 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. When evaluating offers, please review the financial institutions Terms and Conditions. Terms apply. Welcome bonus: Earn $200 cash back after spending $500 on purchases in your first three months of account opening. The Blue Business Plus Credit Card from American Express. ;*KLjmNT Extended Warranty benefits extend your manufacturers warranty coverage, often by as much as a year. Underwritten by AMEX Assurance Company. However, if your item is just lost or missing, you wont need a police report. To view rates and fees of the American Express Gold Card, see this page. 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. Some may have trouble using Uber/food credits. its said 10 business but its already past. For a complete description of the policies of your American Express card, select your card on this page. Delta SkyMiles Gold American Express Card. For a complete description of the policies of your American Express card, select your card on this page. All information about The Amex EveryDay Preferred Credit Card from American Express has been collected independently by NerdWallet. Please visit americanexpress.com/benefitsguide for more details. So, you can't claim purchase protection if your baseball bat or hockey stick breaks. 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. Many or all of the products featured here are from our partners who compensate us. Terms apply. $10,000 per claim, $50,000 per year for the, Delta SkyMiles Reserve American Express Card. pAxTu:E4 VB8H_ fUsF4A~ScD_ ^8v8_]gw`\7f(g~5"ip JI. Read more. this adds to already-existing purchase protection and extended warranty . This card shines for this use, but overall the star ratings may differ when compared to other cards. For return protection, you have to file a claim within 90 days of your original purchase.. PSA: Never ever ever put anything in the seat pocket of an airplane. Just make sure to file a notice of claim within 30 days of the loss. Balance transfer fee applies, see pricing and terms for more details. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. So the key limitations are that the return attempt must be made within 90 days of purchase and that you can reimbursed up to a maximum of $300. Negotiable instruments, such as stamps and travelers' checks. Dozens of AmEx cards offer purchase protection benefits. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. If your item is stolen or damaged within 90 days of purchase, this policy can replace, repair or reimburse you up to $10,000 per claim or $50,000 maximum per year. Many or all of the products featured here are from our partners who compensate us. Terms apply to the offers listed on this page. 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. The Platinum Card from American Express American Express Gold Card and Delta SkyMiles Reserve American Express Card are just a few examples. American Express removed this perk from most of its cards effective at the start of 2020. In addition to stolen and damaged items, AmEx purchase protection also covers items lost within the coverage period. AmEx purchase protection is complimentary coverage provided on most AmEx cards that covers theft, loss and damage to eligible items within the first 90 days of purchase. The annual maximum is also pretty generous at $50,000 per year for most cards. Big spenders should note that the purchase protection on The Platinum Card from American Express only covers up to $10,000 per covered purchase. 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. Earn 3X Membership Rewards points on flights booked directly with airlines or on amextravel.com. Amex has you covered in that instance, too. Related: These are the cards TPG staff reach for in case of emergency. Purchase protection can reimburse you for the cost of repairing or replacing the item you purchased, assuming you paid for it with a card that provides purchase protection. Furthermore, there are only two American Express business cards that include purchase protection benefits* for lost items, which are also the Delta SkyMiles Reserve Business American Express Card and The Business Platinum Card from American Express. 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. 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. 4. The card doesnt offer price protection or return protection, though. Improve earnings, maximize rewards and track progress toward dream trips. Find the right card for you. How Much Are Travel Points and Miles Worth in 2023? Here, you'll need to provide a copy of the purchase receipt and proof of loss. 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. 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. Amazon marketplace merchant won't accept returns after 30 days. 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. Health care items and/or medical equipment. Indirect or direct damage to an item or property resulting from a covered event. Purchase protection can save your skin and protect the items you've purchased if a recently-bought item is damaged or stolen. Please review. American Express is the industry leader amongst credit card issuers offering purchase protection to its customers due to its generous terms and simple claim process. Authorized users are also covered, as . Purchase Protection is amazing (Plat) Had a great experience with Amex Purchase Protection on the Plat. 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. Terms, conditions and limitations apply. One-of-a-kind items, such as antiques and artwork, or limited-edition items. 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. Policies are underwritten by AMEX Assurance Company. Eligibility and Benefit level varies by Card. Terms, conditions and limitations apply. Our opinions are our own. For full Terms and Conditions, see www.americanexpress.com/PPterms. The card details on this page have not been reviewed or provided by the card issuer. 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x), 3x on flights booked directly with the airline or with Amex Travel, Welcome bonus of 60,000 points after spending $4,000 in the first six months, Weak on travel outside of flights and everyday spending bonus categories. The information for the Hilton Aspire Amex card has been collected independently by The Points Guy. * Eligibility and benefit levels vary by card. 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. 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. 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. 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. While extended warranty coverage offers more comprehensive damage protection, purchase protection gives you more protection in case of theft. Damage through altercation or modifications. All financial products, shopping products and services are presented without warranty.

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