No, the American Express Blue Business Cash™ Card does not have return protection coverage. Return protection is a benefit that offers reimbursement for undamaged, working items purchased with a credit card that cannot be returned to the merchant within a certain number of days of purchase. This benefit is becoming rarer as time goes on, however, as many issuers have dropped it to cut costs.
Yes, American Express does have return protection. American Express return protection reimburses cardholders for undamaged, working items purchased with an eligible American Express card that cannot be returned to the merchant within 90 days of purchase. The American Express return protection coverage limit is $300 per claim and $1,000 per year.… read full answer
To file an American Express return protection claim, use the online claims center or call 1-800-228-6855 within 90 days of the date of purchase. You will then need to submit a claim form and provide any requested supplemental proof within 30 days of starting the claims process.
Keep in mind that not all items will qualify for American Express return protection coverage. As is the case with all card benefits, there is a list of exceptions, so it's important to read the benefits guide that came with your card to find out if an item qualifies.
American Express no longer offers price protection on any of its cards. American Express discontinued the price protection benefit, which provided coverage up to $250 per item and $1,000 annually, in 2002. Prior to that, if a cardholder purchased an item with an eligible American Express card and any retailer advertised a lower price for the item within the next 30 days, American Express would have refunded the difference between the purchase price and the sale price.… read full answer
American Express’ lack of a price protection benefit is not uncommon these days, as more and more issuers have dropped the benefit from all of their credit cards. Recent advances in price-tracking technology have led to a dramatic increase in price protection claims, making the benefit too expensive for issuers to sustain.
To get an American Express refund for an overpayment, log into the card’s online account or call customer service at 1 (800) 528-4800. For online refund requests, click the “Account Services” tab from the account home page and select “Inquiry & Dispute Center,” followed by “Open a Payment Dispute” and “I have a credit balance on my account.” Click “Continue” and enter the requested refund amount.… read full answer
Next, choose to either receive a refund check by mail or transfer the credit balance to another Amex account. Refund checks typically arrive within 7 days after processing, while transfers to a different account usually take 2 to 3 days to process. If there’s no refund request, the credit will remain on the account, and will offset any new purchases up to the credited amount.
While Amex refund requests are often due to an overpayment, there are times when you would seek a refund on a purchase charged to your credit card, too. It could be an incorrect charge amount, for example, charges for defective items or items that were never delivered. In such instances, you should first contact the merchant associated with the purchase.
If the merchant refuses to refund your purchase, you can contact American Express to dispute the charge. Amex will investigate the disputed charge, and you should see a temporary credit as well as a hold on your account for the disputed amount. It may take 30 to 60 days to resolve the dispute, after which time Amex will either apply the credit permanently and remove the hold, or allow the disputed charge to stand.
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