Ashley Wade, WalletHub Analyst
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Blue Cash Preferred purchase protection covers the damage or theft of eligible purchases for up to 90 days after the purchase date. Purchase protection will reimburse Blue Cash Preferred cardholders for up to $1,000 per covered purchase and up to $50,000 for all covered incidents per cardholder during a calendar year.
How to File a Purchase Protection Claim with the Blue Cash Preferred
- Call the Benefit Administrator within 30 days of the incident at 1-800-228-6855 or the number in your card’s benefits guide.
- File a police report within 48 hours of the incident, if the item was stolen.
- Submit a completed claim form within 60 days after you receive the form.
- Wait for a decision. American Express will notify you of a decision once your claim has been processed. This could take American Express up to 30 days.
- Get reimbursed for the cost of repairing or replacing the item, if your claim is validated by the Benefit Administrator.
Be aware that not all items are covered by the Blue Cash Preferred purchase protection benefit. To see which items are covered by this perk, check the guide to benefits that came with your credit card.
Blue Cash Preferred® Card from American Express
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