amex platinum purchase protection lost item

is no longer available through NerdWallet. When evaluating offers, please review the financial institutions Terms and Conditions. And be aware of excluded purchases, too. I was notified about a week later that my claim had been accepted, and I was issued a statement credit for the purchase price. has been collected independently by NerdWallet. Related: These are the cards TPG staff reach for in case of emergency. Claims usually require original receipts and the credit card statement related to the purchase. All consumer American Express cards offer purchase protection for eligible purchases. To view rates and fees of the American Express Gold Card, see this page. What You Should Know About Foreign Transaction Fees. If filing a damaged or stolen item claim, you may be asked to demonstrate a photograph showing the damage to your item. 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. 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. There's a lot to love about the Amex Gold card. Maximum coverage per account for purchase protection: $50,000. 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. 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. Marriott Bonvoy Business American Express Card. As always, check your credit cards guide to benefits to see which benefits apply to you. All information about The Amex EveryDay Preferred Credit Card from American Express has been collected independently by NerdWallet. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. Terms, Conditions and Limitations Apply. Negotiable instruments, such as stamps and travelers' checks. Purchase Protection often covers loss, damage and theft for a short period of time, usually a few months, after purchase. You will be asked for a copy of the receipt, your Amex purchase record and the original warranty. Visit americanexpress.com/benefitsguide for details. Here are some tips to help you navigate this growing trend. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105, The Guide to AmEx Purchase Protection on Travel Cards. However, there are varying levels of protection. The material made available for you on this website, Credit Intel, is for informational purposes only and is not intended to provide legal, tax or financial advice. 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. Make sure to file a claim within 30 days of the incident - or as soon as reasonably possible. Terms apply. The purchase protection benefit offered by select credit cards covers eligible purchases against accidental damage or theft and for some cards, loss in the first few months after you use an eligible card to pay for the purchase. American Express purchase protection works by covering the damage or theft of eligible purchases for up to 90 days after the purchase date. First, you have to have the right card. In-built purchase protection is a valuable benefit that comes with some credit cards. Enrollment required. Worry less. Items purchased for resale, professional or commercial use. Although this guide focuses on purchase protection, you should also consider benefits like return protection, price protection and extended warranty. 0 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. Pre-qualified offers are not binding. Earn 100,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 3 months. Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 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. Services and additional costs, such as installation charges, warranties, shipping, handling and memberships. Amex purchase protection lasts for 90 days from the purchase date. Beyond that, I think its prudent to factor these protections into your decision of which card to use whenever you make a large purchase. This coverage is complimentary on most AmEx cards including some debit,. The Blue Business Plus Credit Card from American Express. Related: Everything you need to know about Amex purchase protection. Each category has certain conditions attached to it. We lost some recently purchased shoes at an Airbnb and despite the cleaning team looking multiple times it was nowhere to be found. Editors note: This is a recurring post, regularly updated with new information. Amex Platinum Shopping Benefits: Purchase Protection, Credits and More 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 There are more than a dozen personal cards that offer $10,000 in purchase protection coverage per item. Reddit and its partners use cookies and similar technologies to provide you with a better experience. For example Mastercard offers Purchase Assurance to many Mastercard holders. Shopping Protection | Purchase Protection Plan | Amex CA Plus, this card doesnt exclude lost or misplaced items and is great for foodies, due to its bonus-earning categories and monthly spending credits with restaurants and Uber/Uber Eats. Amex's extended warranty perk applies to warranties of five years or less. Let's look at how Amex purchase protection works, which AmEx cards feature it and the limitations and exclusions of this coverage. Failing that, I also can search my order history at Amazon, eBay and other online retailers I use. The Forbes Advisor editorial team is independent and objective. Return protection differs from AmEx's purchase protection, which covers you if a purchase is lost or stolen within 90 days. Depending on the credit card, the coverage amount and the duration of the protection may differ. Terms, Conditions and Limitations Apply. You can also mail them at: Purchase Protection Claims Unit, PO Box 981553 El Paso TX 79998- 9920. How do I Redeem Membership Rewards Points. Earning rates: 3% cash back 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%) and 1% cash back on other purchases. Personal cards with purchase protections from AmEx include: The Platinum Card from American Express. Create an account to follow your favorite communities and start taking part in conversations. , other credit card benefits you might be eligible for. While extended warranty coverage offers more comprehensive damage protection, purchase protection gives you more protection in case of theft. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. In contrast, more than a dozen personal American Express cards include loss as a qualified purchase protection reason in their benefits. One-of-a-kind items, such as rare stamps and coins. Coverage Limits Apply. * Eligibility and benefit levels vary by card. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. Credit Card Purchase Protection | American Express UK We'll run a soft credit check to find special offers, but it wont affect your credit score. Please visit americanexpress.com/benefitsguide for more details. Terms apply. Delta SkyMiles Gold American Express Card. * These cards include: The Platinum Card from American Express. Eligibility and Benefit level varies by Card. 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. Information provided on Forbes Advisor is for educational purposes only. Lost Item - Purchase Protection : r/amex - reddit As with any insurance policy, the devil is always in the details. Compare the cost in points or miles to cash, and see which option is best. How do I find and add Amex Offers to my Card? Please review. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. This purchase protection product covers damage and theft, but only up to $500 per claim and $50,000 per account. Here is a list of our partners and here's how we make money. Not if you used the right credit card to make the purchase. Delta SkyMiles Reserve Business American Express Card. Consumable or perishable items like food and batteries. Coverage limits apply. It appears that JavaScript is either disabled or not supported by your web browser. its said 10 business but its already past. Cash and cash-like items including gift certificates, stamps and coins. Here are our picks for the. You would only be reimbursed up to the amount charged on the card. 1 Terms, conditions and exclusions apply. The Centurion Card from American Express** and The Business Centurion Card from American Express. Purchases must be made in the U.S. or its territories1. 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. Amex purchase protection has been absolutely fantastic for the occasional janky Amazon purchase, particularly marketplace items. 3 points per dollar on eligible Delta purchases; 1 point per dollar on other purchases. Performance information may have changed since the time of publication. Be sure to check your cardholder agreement for your specific benefits. Purchases must be made in the U.S. or its territories, Send Money & Split Purchases: Venmo and PayPal, Credit Intel Financial Education Center. Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. Underwritten by AMEX Assurance Company. Hilton Honors American Express Aspire Card. The Platinum Card from American Express American Express Gold Card and Delta SkyMiles Reserve American Express Card are just a few examples. For an explanation of our Advertising Policy, visit. Delta SkyMiles Platinum Business American Express Card: $15 back per month on U.S . The information for the Amex Green Card has been collected independently by The Points Guy. Most Cards allow up to $1,000 per incident, with a limit of $50,000 per year. NerdWallet strives to keep its information accurate and up to date. From lamps to loungewear and from headphones to handbags, you can use your Eligible Card with more confidence when youre covered with Purchase Protection. American Express Purchase Protection Explained - Mile Writer When evaluating offers, please review the financial institutions Terms and Conditions. Submitted a claim and it was approved the next day. Be the first to know if we spot anything odd or unusual on your account, thanks to our account and fraud alerts. Can I file an AmEx purchase protection claim if I redeemed points? Here are our picks for the best travel credit cards of 2023, including those best for: Flexibility, point transfers and a large bonus: Chase Sapphire Preferred Card, No annual fee: Bank of America Travel Rewards credit card, Flat-rate travel rewards: Capital One Venture Rewards Credit Card, Bonus travel rewards and high-end perks: Chase Sapphire Reserve, Luxury perks: The Platinum Card from American Express, Business travelers: Ink Business Preferred Credit Card, About the author: JT Genter is a freelance points, miles and credit card writer formerly of The Points Guy. Not a Cardmember yet? Earning rates: 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and on travel booked through the Ultimate Rewards portal; 3% cash back on dining and drugstores; 1% cash back on all other purchases. The card doesnt offer price protection or return protection, though. 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. 5 points per dollar on flights booked directly with airlines or Amex Travel (up to $500,000 on these purchases per calendar year, then 1 point per dollar); 5 points per dollar on prepaid hotels booked through Amex Travel; 1 point per dollar on other purchases. 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. 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. Items permanently affixed to a home, office, vehicles, etc. Many popular rewards credit cards come with generous welcome offers and useful benefits to attract consumers. American Express consumer cards all offer purchase protections for eligible purchases for 90 days from the date of purchase to file a claim. 10 points per dollar on Chase Dining, hotels and car rentals when you purchase through Chase Ultimate Rewards; 5 points per dollar on flights when you purchase through Chase Ultimate Rewards; 3 points per dollar on other travel and dining; 1 point per dollar on other purchases. *Eligibility and benefit levels vary by card. When evaluating offers, please review the financial institutions Terms and Conditions. The annual maximum is also pretty generous at $50,000 per year for most cards. 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. Policies are underwritten by AMEX Assurance Company. has been a Senior Points and Miles Contributor for TPG since 2012. After working as a tax accountant for a decade, JT turned his analytical skills to points, miles and credit cards. The other card networks often offer their own purchase protections as part of their network affiliation. Terms apply. Unfortunately, if you're affected by a natural disaster, AmEx purchase protection only covers a maximum of $500 in claims per event. Shop safe withSafeKey. Many or all of the products featured here are from our partners who compensate us. Find the right card for you. I have the Platinum card so would this be covered under lost item protection or would I be SOL? PDF Return Protection - American Express FlyerTalk Evangelist. 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. This card might not be the right fit if you're looking for price protection or earning more than 1 point per dollar spent on most purchases that are eligible for purchase protection. Related: How an often-overlooked credit card benefit put $1,400 back in my wallet. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Coverage is limited to the amount charged to your card, up to $10,000 per item and $50,000 per card each calendar year.^. NerdWallet strives to keep its information accurate and up to date. If you claim an item was stolen you will need a police report. Credit cards vary in the amount and duration of coverage provided, so make sure to read the terms and conditions. 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.