amex platinum purchase protection lost item amex platinum purchase protection lost item

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. Theres nothing easier than buying a gift card at the last minute. All financial products, shopping products and services are presented without warranty. If an eligible item is lost, accidentally broken, or stolen within 90 days of the purchase date, Amex may reimburse its value. diamondsaremadeunder 3 yr. ago. Note that purchase protection is different from. Delta SkyMiles Gold Business American Express Card. However, this card is so packed with benefits that this coverage doesn't make the card's highlights on the AmEx website. ;*KLjmNT These online records helped me file my Amex claims quickly, rather than digging through a shoebox full of paper receipts. The Platinum Card, Covered Eligible Purchases are items bought with your Eligible Card and are covered for the first 90 days after the day of purchase. The card details on this page have not been reviewed or provided by the card issuer. This is important because many cardholders believe American Express has the least painful claim process of any issuer. This post contains references to products from one or more of our advertisers. Worry less. Card Rating is based on the opinion of TPGs editors and is not influenced by the card issuer. Delta SkyMiles Platinum American Express Card. In other words, if your item gets damaged when being shipped by FedEx, UPS or similar, it may not be covered under Amexs Purchase Protection (it may however be eligible for some reimbursement by filing a claim through the third-party carrier). The Platinum Card from American Express American Express Gold Card and Delta SkyMiles Reserve American Express Card are just a few examples. Notably, American Express prepaid debit cards do not come with this benefit. It appears that JavaScript is either disabled or not supported by your web browser. This guide will describe the basics of credit card purchase protection and detail the credit cards that offer the best coverage. 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. Official application link: Ink Business Cash Credit Card. 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. The Capital One Venture X Rewards Credit Card is an excellent everyday spending card. The card details on this page have not been reviewed or provided by the card issuer. Coverage is limited to the amount charged to your card, up to $10,000 per item and $50,000 per card each calendar year.^. To view rates and fees of the Delta SkyMiles Reserve American Express Card, see this page. has been collected independently by NerdWallet. Although this is an oft-overlooked benefit, purchase protection can provide exceptional value. 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. Coverage Limits Apply. Terms, conditions and limitations apply. Return Protection1 While extended warranty coverage offers more comprehensive damage protection, purchase protection gives you more protection in case of theft. AmEx purchase protection excludes a long list of types of purchases, including: Antiques, artwork and previously used items. Select the Card below to read the full terms and conditions for Return Protection related to that Card. However, not all purchases and losses are covered by AmEx purchase protection. Juan's passion is helping readers navigate through the complex world of frequent flier miles, credit card rewards points and award travel. Related: The best credit cards with price protection. Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased throughRead More. Purchase protection covers items you want to keep; return protection covers items you don't want to keep where the store won't accept a return. I have the Platinum card so would this be covered under lost item protection or would I be SOL? You must file a claim within 30 days of loss through this link or by calling 800-228-6855. ^Eligibility and benefit levels vary by card. I started a claim on Feb 11 and Uploaded the Claim Form and Store receipt on Feb 13. Commissions do not affect our editors' opinions or evaluations. 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). JT Genter is a freelance points, miles and credit card writer formerly of The Points Guy. Here's a look at how purchase protection programs work. is no longer available through NerdWallet. In this case, you must purchase an item thats eligible for coverage and the loss cant be due to an excluded reason. Negotiable instruments including travelers' checks and gift cards. Provided you purchased them less than 90 days ago you should be covered. this adds to already-existing purchase protection and extended warranty . When you purchase an item with a manufacturer's warranty, this benefit can add an extra year to the warranty. Business Green Rewards Card from American Express. 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. $10,000 per claim, $50,000 per year for the American Express Gold Card, The Platinum Card from American Express and Delta SkyMiles Reserve American Express Card cardholders 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. Ben Luthi is a former credit card specialist for NerdWallet. And be aware of excluded purchases, too. 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. However, there are varying levels of protection. Authorized users are also covered, as . 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. It seemed like a good idea at the time, but once I received it and had a chance to install it, I realized that it scared my daughter and seemed too dangerous to me as well. Delta SkyMiles Reserve Business American Express Card. Related: Your guide to the Chase Ink Business credit cards. Maximum coverage per purchase protection claim: $1,000 per item ($500 per event if related to a natural disaster). Our opinions are our own. We may receive compensation when you click on links to those products. Items permanently affixed to a home, office, vehicles, etc. The Forbes Advisor editorial team is independent and objective. read full answer You might be using an unsupported or outdated browser. Related: Why I switched from the Chase Freedom to the Chase Freedom Flex. Editorial Note: We earn a commission from partner links on Forbes Advisor. AmEx purchase protection covers lost, stolen or damaged items within the first 90 days after purchase. Earn 4X Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Visit americanexpress.com/benefitsguide for details. Since I was outside of the stores 30-day return policy but still within 90 days of purchase, I filed a return protection claim online with Amex. Shop more. Past performance is not indicative of future results. However, the damage coverage comes with several exclusions, so you may want to see if your card also offers extended warranty coverage. hbbd``b`@/P k ";d100O@ T9 3 Hilton Honors American Express Aspire Card is no longer available through NerdWallet. Terms apply to the offers listed on this page. 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. Check here before booking an award fare. However, this card is so packed with benefits that this coverage doesn't make the card's highlights on the AmEx website. 995 0 obj <>stream Any purchase that is not in an excluded category and is made with a qualifying American Express card will receive purchase protection. Related: Who should (and shouldnt) get the Capital One Venture X card? The following items are excluded from this policy: See the entire return protection policy for your card here. Recently bought a Pacsafe bag that basically fell apart on the first trip out. Purchase protection will reimburse you for theft, loss or accidental damage to eligible items that occurred within 90 days of purchase. Terms, Conditions and Limitations Apply. All policies have a maximum limit of $50,000 in claims per calendar year. Blue Cash Everyday Card from American Express. The Amex EveryDay Preferred Credit Card from American Express is no longer available through NerdWallet. As with any insurance or coverage product, AmEx purchase protection comes with limitations and exclusions. For example Mastercard offers Purchase Assurance to many Mastercard holders. By Cristina Gibson | American ExpressCredit IntelFreelance Contributor. But can you use your credit card to do so? Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. 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. 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. 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. 3% cash back on groceries at U.S. supermarkets , U.S. gas stations and U.S. online retail purchases on up to $6,000 per calendar year in purchases for each category (then 1%), plus 1% cash back on other purchases. TPG values this bonus at $1,200. Other categories excluded are animals, living plants, rare stamps, coins, negotiable instruments such as travelers checks, objects rented, leased or borrowed, anything purchased for resale or commercial use, permanent household items such as carpet, flooring, air conditioners and refrigerators, as well as medical or dental equipment or devices. 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. $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Check your benefits guide for complete details. JavaScript must be enabled to experience the American Express website and to log in to your account. As with any insurance or coverage product, AmEx purchase protection comes with limitations and exclusions. Just answer a few questions and we'll narrow the search for you. Have you considered how much it will cost to use credit card while traveling abroad? 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. How do I find and add Amex Offers to my Card? 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 At the time of writing, The Platinum Card from American Express holders are covered for up to 90 days from the date of a covered purchase of an eligible item. 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. Once American Express has all the information needed to process your claim, theyll notify you via email once a decision has been made. Business cards are no exception. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. *Excess of 50 applies. Additional reporting by Stella Shon, Carissa Rawson, Christina Ly and Ryan Smith. One-of-a-kind items, such as antiques and artwork, or limited-edition items. This site does not include all credit card companies or all available credit card offers. All financial products, shopping products and services are presented without warranty. Improve earnings, maximize rewards and track progress toward dream trips. Items purchased for professional or commercial use such as education, training or skills. 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. I want to file a purchase protect claim with Amex, but everything I see says the 90 days runs from the date of purchase, not the date of delivery. Negotiable instruments, such as stamps and travelers' checks. All American Express cards with extended warranty benefits provide the same amount of coverage. Many Amex cards offer purchase protection but coverage limits vary. This card shines for this use, but overall the star ratings may differ when compared to other cards. There are credit cards offering purchase protection that aren't included in this list. Also, if it was gone 30 minutes later, it was stolen. 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. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105, Purchase Protection: Which Credit Cards Cover Your Belongings. Purchase protection can save your skin and protect the items you've purchased if a recently-bought item is damaged or stolen. Please review. 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. However, only some credit cards offer purchase protection, and the benefits tend to vary across cards. its said 10 business but its already past. Any other documentation needed to substantiate your claim. , other credit card benefits you might be eligible for. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Plus, your own feed of TPG content. All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. Explore our Cards Terms and Conditions Here is a list of our partners and here's how we make money. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. Other American Express business cards offer the standard $1,000. FlyerTalk Evangelist. Terms apply. Please read important exclusions and restrictions. NerdWallet strives to keep its information accurate and up to date. Editors note: This is a recurring post, regularly updated with new information. In the case of a damage claim, you may need to send in the broken item. Earn 3X Membership Rewards points on flights booked directly with airlines or on amextravel.com. Its a good idea to keep damaged items until the claim is complete. Visit americanexpress.com/benefitsguide for details. Card issuers strive to set their products apart from the competition by offering incentives like welcome bonuses, but sometimes the less-flashy benefits can be even more valuable. Finally, some American Express cards offer purchase protection even when you lose a recently-purchased item. You will need to provide American Express with the original store receipt or a printout of an online receipt. To view rates and fees of The Platinum Card from American Express, see this page. The Points Guy, Forbes Advisor, AwardWallet, LendingTree. There are more than a dozen personal cards that offer $10,000 in purchase protection coverage per item. Amex EveryDay Credit Card is no longer available through NerdWallet. Our partners cannot pay us to guarantee favorable reviews of their products or services. 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. The Platinum Card, Gold Card, Delta SkyMiles Reserve Card, Hilton Aspire Card, and Marriott Bonvoy Brilliant Card are just a few examples. We'll run a soft credit check to find special offers, but it wont affect your credit score. Purchase Protection is amazing (Plat) Had a great experience with Amex Purchase Protection on the Plat. Your complete guide to shopping protections on American Express cards, Delta SkyMiles Reserve American Express Card, Delta SkyMiles Reserve Business American Express Card, Marriott Bonvoy Brilliant American Express Card, Hilton Honors Aspire Card from American Express, The Business Platinum Card from American Express, Hilton Honors American Express Aspire Card, Blue Cash Preferred Card from American Express, The Blue Business Plus Credit Card from American Express, Best credit cards for extended warranties, The best credit cards with price protection, Do Not Sell or Share My Personal Information. Do not sell or share my personal information. Policies are underwritten by AMEX Assurance Company. Juan is a travel writer that specializes in travel and personal finance, including content on credit card products and airline and hotel loyalty programs. 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. Maximum coverage per purchase protection claim: $10,000 per item ($500 per event related to a natural disaster). There are important terms to follow for this benefit, such as the length of time from the purchase date for which coverage is offered, how to submit claims and even the maximum coverage amount provided by your credit card. Call 1-800-243-0198 for more information. 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.