Best Mortgage Lenders for First-Time Homebuyers. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. * Big spenders should note that the purchase protection on The Platinum Card from American Express only covers up to $10,000 per covered purchase. . 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. Best card for premium perks while traveling, Capital One Venture X Rewards Credit Card, The Business Platinum Card from American Express, Marriott Bonvoy Business American Express Card, Southwest unveils stunning new Hawaii-themed aircraft, How to redeem Chase Ultimate Rewards points for maximum value, IHG Rewards Premier Business card review: The annual fee is justified. No minimum to redeem for cash back. Coverage limits apply. Beyond glamorous perks like airport lounge access and annual statement credits, American Express cards offer several valuable benefits that can protect your purchases. When you pay with your American Express card, you can count on this useful feature. I filed one but they ask for police report which I don't have because I didn't want to deal with police and the hassle, how can I cancel the claim ? Indirect or direct damage to an item or property resulting from a covered event. If that's what you're looking for, then travel cards are a good place to start. See if Youre Pre-Qualified, Credit Intel Financial Education Center. And extended warranty protection offers one full year of coverage at $10,000 per item and up to $50,000 per calendar year. American Express Purchase Protection Explained Just make sure to file a notice of claim within 30 days of the loss. On the Amex Platinum, purchases of up to $10,000 per incident are protected against damage, loss or theft for up to 90 days. 2 0 obj $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. To validate your coverage, please call the number on the back of your Card. Guide To American Express Purchase Protection | Bankrate 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.). If filing online, you will be prompted to submit required documents to support your claim. To file an American Express return protection claim . Our partners compensate us. Motorized vehicles, parts and accessories. Youll be asked for a copy of the receipt and your Amex purchase record. Failing that, I also can search my order history at Amazon, eBay and other online retailers I use. For example, it doesn't protect against normal wear and tear or damage to an item that was purchased for play, such as sports equipment. are covered by AmEx's purchase protection coverage. How can I check the status of a claim? - American Express 1 Terms, conditions and exclusions apply. These online records helped me file my Amex claims quickly, rather than digging through a shoebox full of paper receipts. One of our top choices for the best credit card for purchase protection is the Amex Platinum card. Do not sell or share my personal information. 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. File an American Express purchase protection claim online by logging in to your account and going to the claims center. Unfortunately, if you're affected by a natural disaster, AmEx purchase protection only covers a maximum of $500 in claims per event. Learn more: The best travel credit cards right now. Checking vs. Savings Account: Which Should You Pick? Marriott Bonvoy Business American Express Card. Make sure to file a claim within 30 days of the incident - or as soon as reasonably possible. 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. Can I file an AmEx purchase protection claim if I redeemed points? Terms, Conditions and Limitations Apply. If you'd. How to file an AmEx purchase protection claim, AmEx personal cards with purchase protection, Blue Cash Preferred Card from American Express, The Amex EveryDay Preferred Credit Card from American Express, Hilton Honors American Express Surpass Card, Hilton Honors American Express Aspire Card, Marriott Bonvoy Brilliant American Express Card, Delta SkyMiles Reserve American Express Card, Delta SkyMiles Platinum American Express Card, Delta SkyMiles Gold American Express Card, Delta SkyMiles Blue American Express Card, AmEx small business cards with purchase protection, The Business Platinum Card from American Express, The Blue Business Plus Credit Card from American Express, Business Green Rewards Card from American Express, Delta SkyMiles Platinum Business American Express Card, Delta SkyMiles Reserve Business American Express Card, Delta SkyMiles Gold Business American Express Card, The Hilton Honors American Express Business Card, Marriott Bonvoy Business American Express Card, However, the purchase protection coverage amounts and limitations vary between AmEx cards. Amex purchase protection lasts for 90 days from the purchase date. The extended warranty period is an additional year and is limited to covering the actual purchase amount paid for with your card. 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. One-of-a-kind items, such as rare stamps and coins. Although this is an oft-overlooked benefit, purchase protection can provide exceptional value. You will need to provide American Express with the original store receipt or a printout of an online receipt. Fortunately, several American Express credit cards are equipped with the handy purchase protection perk. 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. Meanwhile, here's the list of small business cards from AmEx with this benefit: The Business Platinum Card from American Express. Enrollment required. 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. x][s8~wjJ[1M\INm)qTdctJ ) E=SH"h6 O6=rv,_7r3Y/s#.t'kd bBJK9>:}YqaX0DI Cash and its equivalent (including, but not limited to, gift cards and gift certificates). 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: The most common coverage amount is $1,000 per covered incident, but some premium American Express cards cover purchases. Plus, not all damage and losses are covered. Hilton Honors American Express Aspire Card. AmEx makes it easy to file a purchase protection claim on its website. The claim should be provided within thirty (30) days of the loss or as soon as reasonably possible. How to File a Purchase Protection Claim with the Gold Delta SkyMiles Business Credit Card. He published over 2,000 articles on The Points Guy before becoming a freelance writer. So for example, if someone were to break into your car and steal your laptop, youd be covered under purchase protection, as long as you purchased it with your American Express card. Earn 5% on Chase travel purchased through Chase Ultimate Rewards, 3% on dining and drugstores and 1.5% on all other. American Express Purchase Protection - FlyerTalk Forums American Express processes claims more quickly than some other issuers. 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. AmEx Return Protection: What You Need to Know - NerdWallet Items that are rented, leased or borrowed. Purchase Protection: Which Credit Cards Cover Your Belongings This depends on the circumstances of the loss. 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. An increasing number of brick-and-mortar retailers (from The Home Depot to the Apple Store) will now email you a receipt from the register. The Platinum Card from American Express American Express Gold Card and Delta SkyMiles Reserve American Express Card (Terms apply, see rates & fees) are just a few examples. It takes just a few minutes to file a claim, and most claims can be handled entirely online without having to pick up the phone. 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. * Eligibility and benefit levels vary by card. 4.4 If your item was stolen, you may need to show American Express a copy of the police report. 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. $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, The New York Times, and other participating providers. More information can be found here. For . The Ascent is a Motley Fool service that rates and reviews essential products for your everyday money matters. Each eligible AmEx card is covered for up to $50,000 in claims per year. You can also file a purchase protection claim over the phone by calling 1-800-228-6855. Please read important exclusions and restrictions. 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. Personal Experience With Purchase Protection Thread : r/amex I was not asked to return the items in question in either case. Credit Score ranges are based on FICO credit scoring. When we think of travel rewards card benefits, we tend to think of lounge access, free checked bags and companion tickets, but dont stop there. Compact discs, digital video discs, mini discs, audiotapes and videotapes. US Newcomers. 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. However, this card is so packed with benefits that this coverage doesn't make the card's highlights on the AmEx website. The coverage maximums vary by card, though. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. For full Terms and Conditions, see www.americanexpress.com/PPterms. To start the process, log into your AmEx account and go to the claims center page. These include but are not limited to: Purchase protection doesn't cover certain types of events. Underwritten by AMEX Assurance Company. Flexibility, point transfers and a large bonus: Bank of America Travel Rewards credit card. If an item is stolen, file a police report immediately. 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.

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