amex platinum purchase protection lost item

Return Protection1 Terms apply. Although they didnt make the top five, the following cards offer purchase protection with a limit of $10,000 per incident/claim and a limit of $50,000 per year per account (although Amex cards have a limit of $500 per event for natural disasters*). Read more. American Express processes claims more quickly than some other issuers. Motorized vehicles, parts and accessories. Permanent household items such as carpet, flooring, air conditioners and refrigerators. Failing that, I also can search my order history at Amazon, eBay and other online retailers I use. Any other documentation needed to substantiate your claim. Let's take a look at the current coverage on The Platinum Card from American Express as an example. 2023 American Express. Other business cards only offer coverage for damaged or stolen items on purchase protection claims. and U.S. supermarkets. Once American Express has all the information needed to process your claim, theyll notify you via email once a decision has been made. EgnS+JoYlUR fbcv,R38{TA\ =e`%! Amex Extended Warranty | The Ascent - The Motley Fool All information about The Amex EveryDay Preferred Credit Card from American Express has been collected independently by NerdWallet. same thing happened to me, left a small bag under front seat. Related: The best credit cards with price protection. Purchase Protection is underwritten by AMEX Assurance Company. Earn 4X Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). You may also be asked to return the item to Amex, so be sure to hang onto it until your claim is resolved. For Capital One products listed on this page, some of the above benefits are provided by Visa or Mastercard and may vary by product. Although this is an oft-overlooked benefit, purchase protection can provide exceptional value. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our points-obsessed staff uses a plethora of credit cards on a daily basis. read full answer In these cases, Amex will refund the entire purchase price up to $300 per item, excluding shipping and handling charges. to see if your incident is covered. More information can be found here. Purchase Protection often covers loss, damage and theft for a short period of time, usually a few months, after 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). From broken laptops and phones to delivered packages nabbed from the front porch, when you make a Covered Eligible Purchase with your Eligible, 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. Purchase Protection is amazing (Plat) : r/amex - Reddit 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. Most Cards allow up to $1,000 per incident, with a limit of $50,000 per year. 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. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Amex will reimburse you up to a maximum of $1,000 per card member account per calendar year based on the date of purchase. By taking advantage of the valuable shopping protection policies offered by most American Express cards, you can save hundreds (or even thousands) of dollars when a purchase doesnt work out the way you hoped. 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. Other shopping protections: Extended warranty protection offers an additional year on eligible warranties of three years or less. Purchase Protectioncan help protect Covered Purchases made with your Eligible Card against accidental damage, theft and sometimes provide lost coverage for certain Eligible Card products for up to 90 days from the Covered Purchase date. Delta SkyMiles Platinum Business American Express Card: $15 back per month on U.S . 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 As always, check your credit cards guide to benefits to see which benefits apply to you. How Much Are Travel Points and Miles Worth in 2023? Lost Item - Purchase Protection : r/amex - reddit $10,000 per claim, $50,000 per year for the American Express Gold Card, The Platinum Card from American Express and Delta SkyMiles Reserve . AmEx makes it easy to file a purchase protection claim on its website. All consumer American Express cards offer purchase protection for eligible purchases. 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. 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. Compare the cost in points or miles to cash, and see which option is best. If successful, you will get a follow-up email letting you know the details of the outcome and instructions on how to replace, repair or get reimbursement for the lost or damaged item. Meanwhile, here's the list of small business cards from AmEx with this benefit: The Business Platinum Card from American Express. All American Express cards with extended warranty benefits provide the same amount of coverage. War, acts of war or service in the military. For rates and fees of the Amex Gold Card, please click here.For rates and fees of the Blue Cash Everyday, please click here.For rates and fees of the Amex Platinum Card, please click here.For rates and fees of the Hilton Aspire, please click here.For rates and fees of the Delta Reserve, please click here. Thankfully, many credit cards offer so-called "purchase protection" that covers theft, damage and loss within a set time after purchase. An itemized receipt from the retailer showing the purchase. Policies are underwritten by AMEX Assurance Company. 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. As a digital nomad for nearly five years, JT proves through experience that credit card rewards can drastically reduce the cost of travel. Youll be asked for a copy of the receipt and your Amex purchase record. Editors note: This is a recurring post, regularly updated with new information. About the author: Ben Luthi is a former credit card specialist for NerdWallet. For example, if you have an American Express card, the chances are that card provides AmEx purchase protection. Keep track of all the required documentation, such as the original store receipt or a printout of an online receipt. Learn more: The best travel credit cards right now. Items voluntarily or involuntarily discarded. You may need to submit a police report for stolen items and a repair estimate or photos for damaged items during the claim process. Note that card coverage is sometimes secondary to any homeowners insurance and auto insurance policies, so you may need to prove that youve already submitted claims with other insurance providers. Enrollment required. Indirect or direct damage to an item or property resulting from a covered event. Coverage applies for 90 days after purchasing the item. To start the process, log into your AmEx account and, Like insurance, purchase protection is one of those things that you hope you never have to use. Here is a list of our partners and here's how we make money. Amazon marketplace merchant won't accept returns after 30 days. Terms apply. I was notified about a week later that my claim had been accepted, and I was issued a statement credit for the purchase price. * These cards include: Related: The 5 Amex cards were keeping in our wallets and why. 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. 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. So I recently. Delta SkyMiles Platinum Business American Express Card. 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. How do I Redeem Membership Rewards Points. Eligibility and Benefit level varies by Card. Terms apply. Items purchased for professional or commercial use such as education, training or skills. Big spenders should note that the purchase protection on The Platinum Card from American Express only covers up to $10,000 per covered purchase. Shop moreconfidently with your Card knowing we have your back. 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. When evaluating offers, please review the financial institutions Terms and Conditions. If your item was stolen, you may need to show American Express a copy of the police report. It's been a fan favorite during the pandemic because of its fantastic rewards rate on restaurants (that includes takeout and delivery in the U.S.!) Call 1-800-243-0198 for more information. As stated, Notice of Claim should be provided to Amex within 30 days of the incident. Eligible American Express cardholders can get reimbursed up to $1,000 or $10,000 per item (depending on the card) and up to $50,000 per cardholder. 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. Delta SkyMiles Gold American Express Card. Coverage under the Purchase Protection Program, which covers items broken, stolen, or lost (lost coverage on the Platinum and Centurion cards only) within 90 days of purchase, is up to $10,000 per occurrence on the Platinum card vs. $1,000 on the SPG card. Be ready to provide an itemized online receipt or original store receipt of the item as you will need it to receive claim consideration. Anything purchased for resale or commercial use. The card doesnt offer price protection or return protection, though. Buyer's Assurance Protection Plan extends the original equipment manufacturer's basic warranty, the plan will not extend any additional coverage purchased from the manufacturer, retailer or any other source. However, not all purchases and losses are covered by AmEx purchase protection. Do not sell or share my personal information. JavaScript must be enabled to experience the American Express website and to log in to your account. Welcome bonus: Earn 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening. Something went wrong. 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. Eligibility and Benefit level varies by Card. Juan's passion is helping readers navigate through the complex world of frequent flier miles, credit card rewards points and award travel. This influences which products we write about and where and how the product appears on a page. After logging in, click "File a Claim." Go through the online claim process and provide the required information. Terms apply to the offers listed on this page. Check here before booking an award fare. The card details on this page have not been reviewed or provided by the card issuer. Other American Express business cards offer the standard $1,000. Terms, conditions and limitations apply. For an explanation of our Advertising Policy, visit. American Express Purchase Protection: Everything You Need To Know Like insurance, purchase protection is one of those things that you hope you never have to use. Amex Purchase Protection Benefits | The Ascent - The Motley Fool You can do so online or by calling Amex at 1-800-322-1277. The Centurion Card from American Express** and The Business Centurion Card from American Express. Pre-qualified offers are not binding. Have you considered how much it will cost to use credit card while traveling abroad? How do I Redeem Membership Rewards Points. Claims can be made online or by giving American Express a call at 1-800-322-1277. More information can be found, American Express makes it easy you can file your claim. **, Morgan Stanley Blue Cash Preferred American Express Card.**. Almost every American Express credit and charge card offers purchase protection of some degree. You also may be asked to return the item to Amex in the event it cant be repaired or to provide proof of loss via a repair estimate form or photographs showing the item's current condition. Its a good idea to keep damaged items until the claim is complete. Instead, check the benefits guide to see the card's purchase protection coverage. Some premium American Express Cards also include coverage for lost items and provide coverage of up to $10,000 per incident and $50,000 per year. Related: Amex credit card showdown: Blue Cash Preferred vs. Blue Cash Everyday. This purchase protection product covers damage and theft, but only up to $500 per claim and $50,000 per account. This site does not include all credit card companies or all available credit card offers. Disclaimer: NerdWallet strives to keep its information accurate and up to date. 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. 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. 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. Would probably help your claim, Amex should be able to help you out. 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. Underwritten by AMEX Assurance Company.. Past performance is not indicative of future results. This compensation comes from two main sources. All policies have a maximum limit of $50,000 in claims per calendar year. And extended warranty protection offers one full year of coverage at $10,000 per item and up to $ . Performance information may have changed since the time of publication. Join Date: Aug 2009. Check your benefits guide for complete details. Does the Gold card have purchase protection? For most people, the purchase protection benefit offered by some credit cards flies under the radar. To file a claim with Amex purchase protection, you can do so online or by calling 800-228-6855. AmEx Return Protection: What to Know - NerdWallet Earn 100,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 3 months. 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. 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. 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. The Capital One Venture X Rewards Credit Card is an excellent everyday spending card. its said 10 business but its already past. Marriott Bonvoy Business American Express Card. Coverage on the SPG card remains at $1,250 for carry-on baggage and $500 for checked baggage. Terms apply. If that item is lost, stolen or damaged within the first 90 days, file a Notice of Claim within 30 days to start the claims process. All financial products, shopping products and services are presented without warranty. Business cards are no exception. Terms, conditions and limitations apply. This card shines for this use, but overall the star ratings may differ when compared to other cards. 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. So how do we make money? Visit americanexpress.com/benefitsguide for details. The warranty wont cover the damage, and you didnt think youd need AppleCare. When evaluating offers, please review the financial institutions Terms and Conditions. Delta SkyMiles Blue American Express Card. Earn 4X Membership Rewards Points at Restaurants, plus takeout and delivery in the U.S. Purchase Protection: Which Credit Cards Cover Your Belongings The most common coverage amount is $1,000 per covered incident, but some premium American Express cards cover purchases. Check your benefits guide for complete details. Remember that only purchases made with your eligible American Express card and only the amount charged to your card are eligible for purchase protection. The Hilton Honors American Express Business Card. However, you may want to use a card with price protection or a card that extends warranties by two years instead of just one year for some purchases. Credit Card Purchase Protection | American Express UK You need to typically provide documentation (receipts) and sometimes proof such as a police report. In addition to writing for Forbes.com, Aaron is a full-time professional advisor to Fortune 500 companies at a global consulting firm. Items permanently affixed to a home, office, vehicles, etc. Related: Best credit cards with purchase protection. Maximum coverage per account for purchase protection: $50,000. Amex purchase protection lasts for 90 days from the purchase date. Do not sell or share my personal information. Information provided on Forbes Advisor is for educational purposes only. Purchase protection coverage limits vary among American Express cards, so its important that you review your cards guide to benefits so that you understand the coverage limits and exclusions that apply to you. hbbd``b`@/P k ";d100O@ T9 3 You want a travel credit card that prioritizes whats important to you. Amex purchase protection has been absolutely fantastic for the occasional janky Amazon purchase, particularly marketplace items. Official application link: American Express Gold Card. The rotating bonus categories offered by the Chase Freedom Flex make it an excellent choice for purchases that fit into bonus categories. Everything you need to know about American Express purchase protection *, 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. As with any insurance or coverage product, AmEx purchase protection comes with limitations and exclusions. 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. diamondsaremadeunder 3 yr. ago. Purchases must be made in the U.S. or its territories1. Card Rating is based on the opinion of TPGs editors and is not influenced by the card issuer. Editors note: This is a recurring post, regularly updated with new information. Compare the cost in points or miles to cash, and see which option is best. Amex Purchase Protection Claim takes so long : r/amex - Reddit Underwritten by AMEX Assurance Company. 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. AmEx purchase protection covers lost, stolen or damaged items within the first 90 days after purchase. 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.). Purchase Protection is amazing (Plat) Had a great experience with Amex Purchase Protection on the Plat. For claims filed internationally, you can dial 1-303-273-6498. These are provided as guidelines only and approval is not guaranteed. When considering which card to use for your next big purchase, dont forget about the purchase protection coverage perk on your American Express cards. 3 points per dollar on travel, shipping, internet services, cable services, phone services and advertising with social media sites/search engines (on the first $150,000 in combined purchases each account anniversary year, then 1 point per dollar); 1 point per dollar on other purchases. 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. *, Maximum coverage per account for purchase protection: $50,000 per card per calendar year.*. Hilton Honors American Express Surpass Card. American Express purchase protection works by covering the damage or theft of eligible purchases for up to 90 days after the purchase date. If you claim an item was stolen you will need a police report. Check the details of your card's coverage to see if your incident is covered. However, if your item is just lost or missing, you wont need a police report. Terms, Conditions and Limitations Apply. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105, The Guide to AmEx Purchase Protection on Travel Cards. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. PDF Return Protection - American Express Battle of the premium travel rewards cards which is best for you? These online records helped me file my Amex claims quickly, rather than digging through a shoebox full of paper receipts. 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. 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. 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.

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