Please visit americanexpress.com/benefitsguide for more details. File a police report within 48 hours of the incident, if the item was stolen. Disclaimer: Amex is an Insider advertiser. In the American Express claims center, click "File a Claim" and go through the claims process. Visit americanexpress.com/benefitsguide for details. only covers up to $10,000 per covered purchase. Explore our Cards Terms and Conditions Heres what you need to know about foreign transaction fees what they are and how to avoid them. You can also mail them at: Purchase Protection Claims Unit, PO Box 981553 El Paso TX 79998- 9920. As with any insurance policy, the devil is always in the details. Your financial situation is unique and the products and services we review may not be right for your circumstances. 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. Earn 5% on Chase travel purchased through Chase Ultimate Rewards, 3% on dining and drugstores and 1.5% on all otherRead More, A good overall spending card that allows you to hold a balance on new purchases with a low introductory APR, pay no annual fee, and still earn at least 1.5% cashback on all purchases. AmEx return protection is an extended return policy covering eligible purchases. And Visa offers Purchase Security to Visa Infinite cardmembers. American Express AMEX Assurance Company PO Box 981553 El Paso TX 79998-9920 (800) 858-5971 Toll Free Fax (800) 322-1277 Phone Purchase Protection Claim Form Claim Number (required) Instructions: Please. has been a Senior Points and Miles Contributor for TPG since 2012. When you purchase an item with a manufacturer's warranty, this benefit can add an extra year to the warranty. One of our top choices for the best credit card for purchase protection is the Amex Platinum card. Plus, AmEx can change the coverage at any time. What Types of Homeowners Insurance Policies Are Available? You will need to provide American Express with the original store receipt or a printout of an online receipt. Extended Warranty benefits extend your manufacturers warranty coverage, often by as much as a year. Please try again later. Purchase protection is included in many U.S. American Express cards at no additional cost to the cardholder. Hilton Honors American Express Aspire Card is no longer available through NerdWallet. 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. This is one of those credit card benefits that can easily make up for an annual fee, even if you only use it once or twice a year. In some cases, we receive a commission from our partners; however, our opinions are our own. AMERICAN EXPRESS AMEX ASSURANCE COMPANY PO BOX 981553 EL PASO TX 79998-9920 Purchase Protection Claim Form Claim Number: SECTION 1: CARD MEMBER INFORMATION: American Express Card Account Number used to purchase the item: Card Member's Name: State: Phone Number: Email: SECTION 2: PURCHASE INFORMATION: Address: City:Zip: Underwritten by AMEX Assurance Company. JavaScript must be enabled to experience the American Express website and to log in to your account. Often, you will get a response to your initial claim inquiry within 48 hours. If that's what you're looking for, then travel cards are a good place to start. Can I file an AmEx purchase protection claim if I redeemed points? Please view our advertising policy page for more information. Check the details of your card's coverage to see if your incident is covered. Delta SkyMiles Gold American Express Card. 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. Learn more: The best credit cards for travel insurance benefits. Visit Amex's dedicated webpage or call the Benefit Administrator within 30 days . Policies are underwritten by AMEX Assurance Company. Business Green Rewards Card from American Express is no longer available through NerdWallet. Delta SkyMiles Blue American Express Card. Cash and its equivalent (including, but not limited to, gift cards and gift certificates). $300 Equinox Credit: Get up to $300 back each year on an Equinox+ subscription, or any Equinox club memberships when you pay with your Platinum Card. File an American Express purchase protection claim online by logging in to your account and going to the claims center. Understanding Homeowners Insurance Premiums, Guide to Homeowners Insurance Deductibles, Best Pet Insurance for Pre-existing Conditions, What to Look for in a Pet Insurance Company, Marcus by Goldman Sachs Personal Loans Review, The Best Way to Get a Loan With Zero Credit. Terms apply. When an American Express Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. 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.). out Credit Score 101. Beyond glamorous perks like airport lounge access and annual statement credits, American Express cards offer several valuable benefits that can protect your purchases. All Rights Reserved. Pre-qualified offers are not binding. Keep track of all the required documentation, such as the original store receipt or a printout of an online receipt. Terms apply to offers listed on this page. * Eligibility and benefit levels vary by card. Anything purchased for resale or commercial use. You can do so online or by calling Amex at 1-800-322-1277. Our points-obsessed staff uses a plethora of credit cards on a daily basis. We believe everyone should be able to make financial decisions with confidence. Purchase Protection Protect your shopping Enjoy stress-free shopping when you use your American Express Card, with 90-day Purchase Protection. . Shop moreconfidently with your Card knowing we have your back. Claim amount was around $300. Curious to hear people's stories using purchase protection with AMEX. This information may be different than what you see when you visit a financial institution, service provider or specific products site. For a complete description of the policies of your American Express card, select your card on this page. All American Express cards with extended warranty benefits provide the same amount of coverage. Have you considered how much it will cost to use credit card while traveling abroad? Earn 5x Membership Rewards Points on prepaid hotels booked with American Express Travel. For an explanation of our Advertising Policy, visit. 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 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. American Express purchase protection works by covering the damage or theft of eligible purchases for up to 90 days after the purchase date. Yes, cardmembers of the American Express Gold Card are covered by AmEx's purchase protection coverage. Purchase Protection can cover the cost of lifes uh-oh moments, so you can be more confident when buying with your Eligible Card. Youll be asked for a copy of the receipt and your Amex purchase record. Dozens of cards offer this benefit. Unfortunately, if you're affected by a natural disaster, AmEx purchase protection only covers a maximum of $500 in claims per event. The American Express Platinum cards are eligible for American Express Purchase Protection. The Amex EveryDay Preferred Credit Card from American Express. 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. 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. In these cases, Amex will refund the entire purchase price up to $300 per item, excluding shipping and handling charges. Services and additional costs, such as installation charges, warranties, shipping, handling and memberships. Big spenders should note that the purchase protection on. 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. Shop safe withSafeKey. Select "purchase protection" on the next page and continue the process. Let's look at how Amex purchase protection works, which AmEx cards feature it and the limitations and exclusions of this coverage. To start the process, log into your AmEx account and go to the claims center page. 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. Coverage limits apply. The Points Guy, Forbes Advisor, AwardWallet, LendingTree. What You Should Know About Foreign Transaction Fees. Additional Information. has been collected independently by NerdWallet. If the American Express card member left an item in an unlocked car and it was stolen, purchase protection wouldn't help with that. We'd love to hear from you, please enter your comments. Items damaged by natural disasters are subject to different terms and limits notated in each cards terms and conditions. Earn 80,000 Membership Rewards Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership. Terms apply. The coverage maximum with most American Express cards is $1,000 per claim. Just to see the cards they carry? When deciding which travel rewards card to use for large purchases, its important to look beyond the points and miles you earn. If your item was stolen, you may need to show American Express a copy of the police report. Notably, American Express prepaid debit cards do not come with this benefit. OP}[}Ko? Whether you need to use your purchase protection now or you're just curious about how it works, you'll learn all about it in this guide. 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. Negotiable instruments including travelers' checks and gift cards. Policies are underwritten by AMEX Assurance Company. Commissions do not affect our editors' opinions or evaluations. How can I check the status of a claim? Delta SkyMiles Platinum American Express Card. You may also be asked to return the item to Amex, so be sure to hang onto it until your claim is resolved. Each eligible AmEx card is covered for up to $50,000 in claims per year. Visit americanexpress.com/benefitsguide for details. Please review. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team. 2023 American Express. 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. Editors note: This is a recurring post, regularly updated with new information. So, checking the terms for your AmEx card when you need coverage is essential. of So how do we make money? I was not asked to return the items in question in either case. All information about The Amex EveryDay Preferred Credit Card from American Express has been collected independently by NerdWallet. 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Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required), Annual statement credits with Saks and Uber, Bonus categories leave something to be desired, One of the highest annual fees among premium travel cards, Fee-only vs. commission financial advisor, See Business Insider's list of the best rewards credit cards , Have you ever purchased something and wanted to return it only to find out you were past the return window? 3 0 obj
Additionally, purchase protection benefits are not payable on eligible items if the damage is caused by riots, acts of war or service in the military, normal wear and tear or damage through alteration. Compare the cost in points or miles to cash, and see which option is best. For a complete description of the policies of your American Express card, select your card on this page. Motorized vehicles, parts and accessories. Click "File a Claim," then provide the required information. Make sure to file a claim within 30 days of the incident - or as soon as reasonably possible. are covered by AmEx's purchase protection coverage. All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. Please visit americanexpress.com/benefitsguide for more details. AmEx purchase protection excludes a long list of types of purchases, including: Antiques, artwork and previously used items. Terms, conditions and limitations apply. 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. He writes for The Ascent and The Motley Fool, and his work has appeared in USA Today and Yahoo! Improve earnings, maximize rewards and track progress toward dream trips. 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. For most people, the purchase protection benefit offered by some credit cards flies under the radar. $10,000 per claim, $50,000 per year for the American Express Gold Card, The Platinum Card from American Express and Delta SkyMiles Reserve . 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. Dozens of AmEx cards offer purchase protection benefits. stream
This compensation comes from two main sources. 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. Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). You can also file a purchase protection claim over the phone by calling 1-800-228-6855. Disclaimer: NerdWallet strives to keep its information accurate and up to date. Related: Your complete guide to shopping protections on American Express cards. Underwritten by AMEX Assurance Company. Instead, check the benefits guide to see the card's purchase protection coverage. Click "File a Claim," then provide the required information. If. All rights reserved. The explanation field can be something as simple as "Merchant does not accept returns after 30 days" or 'merchant does not accept returns on sale items'. American Express purchase protection is short-term insurance for products you buy. @catelangs 04/21/23. Items not being safeguarded or left at an unlocked location. Enrollment required. 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. as well as other partner offers and accept our, 4.4 out of Access your favorite topics in a personalized feed while you're on the go. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. But with premium Amex cards, the limit is up to $10,000 per claim with the same $50,000 annual limit. If filing online, you will be prompted to submit required documents to support your claim.
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