amex platinum purchase protection lost item

If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. When evaluating offers, please review the financial institutions Terms and Conditions. Permanent household items such as carpet, flooring, air conditioners and refrigerators. By Cristina Gibson | American ExpressCredit IntelFreelance Contributor. Our partners compensate us. Indirect or direct damage to an item or property resulting from a covered event. Earn 4X Membership Rewards Points at Restaurants, plus takeout and delivery in the U.S. How to file a purchase protection claim with Amex. Coverage on the SPG card remains at $1,250 for carry-on baggage and $500 for checked baggage. 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. %%EOF More information can be found, American Express makes it easy you can file your claim. Once American Express has all the information needed to process your claim, theyll notify you via email once a decision has been made. Ben Luthi is a former credit card specialist for NerdWallet. However, this card is so packed with benefits that this coverage doesn't make the card's highlights on the AmEx website. We lost some recently purchased shoes at an Airbnb and despite the cleaning team looking multiple times it was nowhere to be found. Earning rates: 4 points per dollar spent at restaurants and on the first $25,000 spent at U.S. supermarkets each calendar year (then 1 per dollar); 3 points per dollar spent on flights booked directly with airlines or on Amex Travel; 1 point per dollar spent on other purchases. Official application link: Ink Business Cash Credit Card. Hence, its worth referencing the guide to benefits for each card in your wallet to determine whether they have that coverage as well as other valuable shopping and travel protections. Big spenders should note that the purchase protection on. Please try again later. AmEx makes it easy to file a purchase protection claim on its website. You can convert your Chase Freedom Flex earnings to Chase Ultimate Rewards points if you have an eligible card that earns Chase Ultimate Rewards points, such as the Chase Sapphire Reserve or Chase Sapphire Preferred Card. 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. Gifts are covered as long as they were purchased using an eligible card, Eligible World and World Elite MasterCard cards, Guide to Visa Signature benefits via CapitalOne. 5% cash back on up to $1,500 in combined purchases in rotating bonus categories each quarter (requires activation) and on travel booked through the. These cards, each chosen with a particular type of consumer or purchase in mind, are discussed below. Do not sell or share my personal information. Pre-qualified offers are not binding. From bedroom furniture to clothing and cellular phones to handbags, purchase protection can be a worthwhile benefitparticularly for high-priced items. To start the process, log into your AmEx account and go to the claims center page. Would probably help your claim, Amex should be able to help you out. Cristina Gibson is a writer and journalist who has covered consumer goods, fashion, technology, and travel for more than 15 years. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Here are the full conditions for the purchase protection: Download (PDF, 815KB) The item covered under this claim was very cheap, $42.27 for the swimwear but as long as it's covered there is no reason not to file a claim for this item. In this post, Ill look at the three different shopping protection policies offered by many American Express cards and explain how you can leverage these benefits to save money. Related: Your complete guide to shopping protections on American Express cards. All Credit Intelcontent is written by freelance authors and commissioned and paid for by American Express. 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. In contrast, more than a dozen personal American Express cards include loss as a qualified purchase protection reason in their benefits. Note that purchase protection is different from. Negotiable instruments, such as stamps and travelers' checks. However, this card is so packed with benefits that this coverage doesn't make the card's highlights on the AmEx website. He published over 2,000 articles on The Points Guy before becoming a freelance writer. 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. If an eligible item is lost, accidentally broken, or stolen within 90 days of the purchase date, Amex may reimburse its value. Our partners compensate us. Youre out of luck, right? %PDF-1.6 % Blue Cash Everyday Card from American Express. We'll run a soft credit check to find special offers, but it wont affect your credit score. Please review. Check the details of your card's coverage to see if your incident is covered. Earn 100,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 3 months. Purchase protection is included in many U.S. American Express cards at no additional cost to the cardholder. The card details on this page have not been reviewed or provided by the card issuer. Almost every American Express credit and charge card offers purchase protection of some degree. All rights reserved, How American Express Purchase Protection Works, Purchase Protection can cover the cost of lifes uh-oh moments, so you can be more confident when buying with your Eligible Card. Reddit and its partners use cookies and similar technologies to provide you with a better experience. Blue Cash Preferred Card from American Express. $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. Terms apply. 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. Welcome bonus: Earn 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening. 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. Select the Card below to read the full terms and conditions for Return Protection related to that Card. Visit americanexpress.com/benefitsguide for details. 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. 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). Hilton Honors American Express Aspire Card. Related: The best credit cards with price protection. As always, check your credit cards guide to benefits to see which benefits apply to you. 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 Centurion Card from American Express** and The Business Centurion Card from American Express. 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. Here are our picks for the. Many other issuers offer some form of damage against loss or theft for eligible items purchased with the card. 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. You might be using an unsupported or outdated browser. Coverage is limited to the amount charged to your card, up to $10,000 per item and $50,000 per card each calendar year.^. 1 Terms, conditions and exclusions apply. The information for the Hilton Aspire Amex card has been collected independently by The Points Guy. 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. Earn 4X Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Please review. Balance transfer fee applies, see pricing and terms for more details. 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. Terms apply. My next chance to use these benefits came when a computer part failed about a year and a half after purchase and had a warranty of just one year. Enrollment required. 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. This coverage is complimentary on most AmEx cards including some debit, prepaid and reloadable AmEx cards. Like insurance, purchase protection is one of those things that you hope you never have to use. Finally, some American Express cards offer purchase protection even when you lose a recently-purchased item. Call 1-800-243-0198 for more information. Best card for premium perks while traveling, Capital One Venture X Rewards Credit Card, The Business Platinum Card from American Express, Disney Cruise Lines Castaway Club loyalty program: Everything you need to know, 21 new Hyatt hotels where you can get 500 extra points per night, My first cruise to the Galapagos: The good, the bad and the absolutely adorable. 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. Our opinions are our own. Juan is a travel writer that specializes in travel and personal finance, including content on credit card products and airline and hotel loyalty programs. However, not all purchases and losses are covered by AmEx purchase protection. Extended Warranty benefits extend your manufacturers warranty coverage, often by as much as a year. There's a lot to love about the Amex Gold card. Not if you used the right credit card to make the purchase. Good news: AMEX includes Purchase Protection as a benefit on all of its cards shown here. Note that purchase protection is different from price protection and extended warranty coverage, other credit card benefits you might be eligible for. To view rates and fees of the Delta SkyMiles Reserve American Express Card, see this page. Terms apply to the offers listed on this page. Services and additional costs, such as installation charges, warranties, shipping, handling and memberships. Shopping online for a car is an accelerating trend changing the purchase process from start to finish. However, this does not influence our evaluations. You want a travel credit card that prioritizes whats important to you. We'd love to hear from you, please enter your comments. As stated, Notice of Claim should be provided to Amex within 30 days of the incident. 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. Here's a look at how purchase protection programs work.