amex platinum purchase protection lost item

amex platinum purchase protection lost item

You want a travel credit card that prioritizes whats important to you. *Benefits may vary by issuer. Can You Buy Gift Cards with a Credit Card? You will need to provide American Express with the original store receipt or a printout of an online receipt. That proof of loss depends on the circumstances. You'll notice that nearly all AMEX cards offer this benefit, so chances are you're already covered. TPGs March 2023 monthly valuations, Cruise giant Carnival goes Texas-size big with new sailings from Galveston. $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. Cash and cash-like items including gift certificates, stamps and coins. All financial products, shopping products and services are presented without warranty. 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). 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. Personal cards with purchase protections from AmEx include: The Platinum Card from American Express. Unfortunately, if you're affected by a natural disaster, AmEx purchase protection only covers a maximum of $500 in claims per event. Be ready to provide an itemized online receipt or original store receipt of the item as you will need it to receive claim consideration. 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. Information provided on Forbes Advisor is for educational purposes only. Terms, Conditions and Limitations Apply. Many or all of the products featured here are from our partners who compensate us. Choose the color that suits your style. You can view the full list of cards here. 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. We believe everyone should be able to make financial decisions with confidence. 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. The card has an annual fee of $0, yet comes with a pumped-up earnings structure that covers a wide swath of expenses including travel, drugstores and dining plus rotating quarterly bonus categories in areas many households are likely to find appealing. Amex has you covered in that instance, too. Make sure to file a claim within 30 days of the incident - or as soon as reasonably possible. The first claim was for a childs bicycle seat that was supposed to mount on my bikes handlebars. Cards with this higher level of coverage include: The information for the Centurion, Business Centurion and Hilton Aspire cards has been collected independently by The Points Guy. After logging in, click "File a Claim." Go through the online claim process and provide the required information. Damage through altercation or modifications. Pre-qualified offers are not binding. If you have multiple American Express cards with varying coverage limits, make sure that your large purchases are made on your cards with the largest coverage limits. AmEx makes it easy to file a purchase protection claim on its website. To file a claim with Amex purchase protection, you can do so online or by calling 800-228-6855. 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. 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. This benefit acts as a kind of insurance against theft or damage for a period of time after you buy something. A copy of your primary insurance declaration page, if applicable. He published over 2,000 articles on The Points Guy before becoming a freelance writer. This influences which products we write about and where and how the product appears on a page. 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. Purchase Protection Coverage Period as described below. If you're hitting the skies soon, you'll also earn bonus points on travel. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Delta SkyMiles Platinum Business American Express Card: $15 back per month on U.S . Anything purchased for resale or commercial use. We'll run a soft credit check to find special offers, but it wont affect your credit score. Health care items and/or medical equipment. Items purchased for resale, professional or commercial use. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. The best credit cards for travel insurance benefits. 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. Finally, be diligent, complete and timely when you file your claims. More information can be found, American Express makes it easy you can file your claim. 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. All policies have a maximum limit of $50,000 in claims per calendar year. 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. Programs: UA 1K 0.9MM, Marriott Gold, HHonors Gold, Hertz PC, SBux Gold, TSA Pre . 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. Compare the cost in points or miles to cash, and see which option is best. NerdWallet strives to keep its information accurate and up to date. Amex EveryDay Credit Card is no longer available through NerdWallet. Go to the Amex extended warranty claims webpage to file online. 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. Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased through. 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. Card Rating is based on the opinion of TPGs editors and is not influenced by the card issuer. 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. 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. Cards that still offer this benefit include: ** The information for these cards has been collected independently by The Points Guy. I started a claim on Feb 11 and Uploaded the Claim Form and Store receipt on Feb 13. Related: Everything you need to know about Amex purchase protection. The Platinum Card from American Express American Express Gold Card and Delta SkyMiles Reserve American Express Card are just a few examples. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. Check your benefits guide for complete details. 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. Items permanently affixed to a home, office, vehicles, etc. %PDF-1.6 % This information may be different than what you see when you visit a financial institution, service provider or specific products site. 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. Worry less. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Before making a significant purchase, know the benefits of each card you could use for the purchase. Credit cards vary in the amount and duration of coverage provided, so make sure to read the terms and conditions. The Forbes Advisor editorial team is independent and objective. This is just one scoring method and a credit card issuer may use another method when considering your application. From lamps to loungewear and from headphones to handbags, you can use your Eligible Card with more confidence when youre covered with Purchase Protection. For claims filed internationally, you can dial 1-303-273-6498. I have the Platinum card so would this be covered under lost item protection or would I be SOL? Simply losing or misplacing the purchase (although the policies for the Delta Reserve, Delta Reserve Business, Hilton Aspire and all consumer versions of the Amex Platinum Card do cover lost or misplaced items). Once youve submitted the necessary supporting documents, American Express will send you an email confirmation stating your documents were received. Balance transfer fee applies, see pricing and terms for more details. Editors note: This is a recurring post, regularly updated with new information. Here is a list of our partners. Juan's passion is helping readers navigate through the complex world of frequent flier miles, credit card rewards points and award travel. The most common coverage amount is $1,000 per covered incident, but some premium American Express cards cover purchases up to $10,000 per incident. Editorial Note: We earn a commission from partner links on Forbes Advisor. He covers credit cards, loyalty programs and family travel. Good news: AMEX includes Purchase Protection as a benefit on all of its cards shown here. Related: How an often-overlooked credit card benefit put $1,400 back in my wallet. 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. Enrollment required. If You have any questions about a specific item, please call us at 1-800-228-6855, if international, collect at 1-303-273-6498. For return protection, you have to file a claim within 90 days of your original purchase.. 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. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. For example Mastercard offers Purchase Assurance to many Mastercard holders. has been collected independently by NerdWallet. 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. 0 However, Ive filed two claims with Amex in the past; in both cases, I was pleasantly surprised at how quick and easy the process was. Keep in mind that not all purchases or items are covered . 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. Dozens of cards offer this benefit. Purchase protection doesnt require any registration in advance. However, this does not influence our evaluations. Compare the cost in points or miles to cash, and see which option is best. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. The coverage maximum with most American . Other American Express business cards offer the standard $1,000. $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year. Keep track of all the required documentation, such as the original store receipt or a printout of an online receipt. 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. Benefits are providedfor Replacement Cost up to the lesser of the Eligible Payment or the per item and calendar year maximums as described below. The Blue Business Plus Credit Card from American Express. 971 0 obj <>/Encrypt 962 0 R/Filter/FlateDecode/ID[]/Index[961 35]/Info 960 0 R/Length 65/Prev 833811/Root 963 0 R/Size 996/Type/XRef/W[1 2 1]>>stream If an eligible item is lost, accidentally broken, or stolen within 90 days of the purchase date, Amex may reimburse its value. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. Business Green Rewards Card from American Express. However, this card is so packed with benefits that this coverage doesn't make the card's highlights on the AmEx website. When evaluating offers, please review the financial institutions Terms and Conditions. 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% on travel purchased through Chase Ultimate Rewards, 3% on dining and drugstores and 1% on all other purchases. Note that purchase protection is different from price protection and extended warranty coverage, other credit card benefits you might be eligible for. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. Visit americanexpress.com/benefitsguide for details. same thing happened to me, left a small bag under front seat. 4. To view rates and fees of the Delta SkyMiles Reserve American Express Card, see this page. From broken laptops and phones to delivered packages nabbed from the front porch, when you make a Covered Eligible Purchase with your Eligible American Express Card, you can rest easy knowing that you may be protected up to $1,000 per incident (for some Cards you may be protected up to $10,000 per incident) when the unexpected strikes. Let's take a look at the current coverage on, holders are covered for up to 90 days from the date of a covered purchase of an eligible item. However, if your item is just lost or missing, you wont need a police report. Often, you will get a response to your initial claim inquiry within 48 hours. Her focus at TPG is points, miles, loyalty and credit cards. There are limitations to this policy, so be sure to read your card's benefits guide for a full explanation of what's excluded under purchase security. I got off my flight and realized 20 minutes later that they were missing, I ran back to my gate and asked the flight attendant to go look for me and she said they weren't in my seat. Personal hygiene items or any devices (medical or nonmedical) that have been personally used and could be considered a health risk to others. Not a Cardmember yet? Submitted a claim and it was approved the next day. Help protect your eligible Does AmEx purchase protection cover lost items? If an eligible item is lost, accidentally broken, or stolen within 90 days of the purchase date, Amex may reimburse its value. Related: The best credit cards with price protection. Maximum coverage per purchase protection claim: $10,000 per item ($500 per event related to a natural disaster). Finders keepers is not really a thing. All consumer American Express cards offer purchase protection for eligible purchases. How to file a purchase protection claim with Amex. 2023 Forbes Media LLC. Amex members get a variety of benefits including exclusive rewards and discounts, 24/7 customer service, travel benefits such as trip protection and car rental savings, and access to extraordinary events. There's a lot to love about the Amex Gold card. Do balance transfers affect your credit score? Covered Eligible Purchases are items bought with your Eligible Card and are covered for the first 90 days after the day of purchase. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Recently bought a Pacsafe bag that basically fell apart on the first trip out. 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. 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. 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. Terms apply. Authorized users are also covered, as long as theyre U.S. residents. Have you considered how much it will cost to use credit card while traveling abroad? Ben is a former credit card specialist for NerdWallet who wrote card reviews and comparisons and covered credit-related issues affecting consumers. Almost every American Express credit and charge card offers purchase protection of some degree. And be aware of excluded purchases, too. We'll run a soft credit check to find special offers, but it wont affect your credit score. In contrast, several premium American Express Cards provide coverage of up to $10,000 per incident, up to $50,000 per card member account per calendar year. All financial products, shopping products and services are presented without warranty. Each category has certain conditions attached to it. 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. 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. Earn 80,000 Membership Rewards points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Terms, conditions and limitations apply. You will be asked certain questions about your claim at that time. How to File a Return Protection Request Business fixtures including air conditioners, refrigerators and heaters. 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. Terms, conditions and limitations apply. Several credit cards may even provide protection if you lose a recently-purchased item. Although this guide focuses on purchase protection, you should also consider benefits like return protection, price protection and extended warranty. How an often-overlooked credit card benefit put $1,400 back in my wallet, Blue Cash Everyday Card from American Express, monthly spending credits with restaurants, Everything you need to know about Amex purchase protection, Blue Cash Everyday Card from American Express, Amex credit card showdown: Blue Cash Preferred vs. Blue Cash Everyday, an eligible card that earns Chase Ultimate Rewards points, Why I switched from the Chase Freedom to the Chase Freedom Flex. The Amex EveryDay Preferred Credit Card from American Express is no longer available through NerdWallet. |F\ba9F ~Zh1m$5(9=H$3wxMd/L}hLXI=eO*"Z:#x&OpDZH~}7~H{h9uqGM_)J'p3TFE3H8Z;t Products covered by an unconditional satisfaction guarantee. An itemized receipt from the retailer showing the purchase. Its smart technology that helps us make sure its really you when shopping online. Select "purchase protection" on the next page and continue the process. For a complete description of the policies of your American Express card, select your card on this page. 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. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). 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. In the event of theft, you must also include a copy of a police report. Business Green Rewards Card from American Express is no longer available through NerdWallet. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. Youre out of luck, right? * Eligibility and benefit levels vary by card. Although this is an oft-overlooked benefit, purchase protection can provide exceptional value. are covered by AmEx's purchase protection coverage. Delta SkyMiles Gold Business American Express Card. Purchase protection offers short-term insurance for your everyday purchases, in case the items are stolen or damaged. 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. when you need coverage is essential. Underwritten by AMEX Assurance Company. pAxTu:E4 VB8H_ fUsF4A~ScD_ ^8v8_]gw`\7f(g~5"ip JI. PSA: Never ever ever put anything in the seat pocket of an airplane. Improve earnings, maximize rewards and track progress toward dream trips. You must file a claim within 30 days of your covered loss and you can do so online or by calling 800-228-6855. A variable APR of 19.49%28.24% applies thereafter. Shopping online for a car is an accelerating trend changing the purchase process from start to finish. Best card for premium perks while traveling, Capital One Venture X Rewards Credit Card, The Business Platinum Card from American Express, Quick Points: Hyatt Globalists get free parking on award stays, What are points and miles worth? 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. Eligibility and Benefit level varies by Card. Terms, conditions and limitations apply. Terms apply. Claims usually require original receipts and the credit card statement related to the purchase. 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. 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. Are you sure you want to rest your choices? Purchase Protection often covers loss, damage and theft for a short period of time, usually a few months, after purchase. 3 points per dollar on eligible Delta purchases; 1 point per dollar on other purchases. only covers up to $10,000 per covered purchase. 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. 961 0 obj <> endobj Underwritten by AMEX Assurance Company. Be sure to check your cardholder agreement for your specific benefits. When evaluating offers, please review the financial institutions Terms and Conditions. Credit Score ranges are based on FICO credit scoring. Purchase protection saved us $1,700 a reader success story, These are the cards TPG staff reach for in case of emergency, Delta SkyMiles Reserve American Express Card, Delta SkyMiles Reserve Business American Express Card, Hilton Honors American Express Aspire Card, Marriott Bonvoy Brilliant American Express Card, The 5 Amex cards were keeping in our wallets and why, Do Not Sell or Share My Personal Information, $10,000 per item (or $500 per event for natural disasters). 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. Read more. Motorized vehicles, their parts and accessories as well as those parts and accessories intended for use with the motorized vehicles. Terms, Conditions and Limitations Apply. 14 points per dollar at eligible Hilton properties; 7 points per dollar on flights booked directly with airlines or through Amex Travel; 7 points per dollar on car rentals booked directly from select car rental companies and at U.S. restaurants; 3 points per dollar on other purchases. Purchases must be made in the U.S. or its territories, Send Money & Split Purchases: Venmo and PayPal, Credit Intel Financial Education Center. 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. Earn a $200 bonus after spending $500 on purchases in your first 3 months from account opening. All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. Heres what you need to know about foreign transaction fees what they are and how to avoid them. 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. However, not all purchases and losses are covered by AmEx purchase protection.

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