Does the Blue Cash Preferred card have return protection?

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

American Express Cards with Return Protection

• The Platinum Card® from American Express
• Blue Cash Preferred® Card from American Express
• Centurion® Card from American Express
• Amex EveryDay® Preferred Credit Card
• Marriott Bonvoy Brilliant® American Express® Card
• Delta SkyMiles® Reserve American Express Card
• Hilton Honors Aspire Credit Card
• The Plum Card® from American Express
• Delta SkyMiles® Reserve Business American Express Card
• Amazon Business American Express Card

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.

American Express purchase protection works by covering the damage or theft of eligible purchases for up to 90 days after the purchase date. 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. Keep in mind that not all purchases or items are covered under American Express purchase protection.… read full answer

How American Express purchase protection works:

• Eligibility: Most American Express cards offer purchase protection.
• Coverage: Covers the damage or theft of eligible purchases for up to 90 days after the purchase date. Coverage is for the costs of repairs or replacements of eligible items.
• Covered amount: Up to $1,000 or $10,000 per purchase and $50,000 per cardholder, every calendar year.
• Excluded purchases/items: Excluded items include antiques, artwork, consumables, rented, leased, or borrowed items, motorized devices, land or buildings, software, medical devices or equipment and more. Damages or theft resulting from war or acts of war, military service, confiscation by any government authority, and others, are also not covered.
• How to file a claim: Call the Benefit Administrator within 30 days of the incident at (800) 228-6855 or the number in your guide to benefits. If the item was stolen, file a police report within 48 hours of the incident. Submit your completed claim form within 60 days after having received it. Amex will notify you of a decision after they've processed your claim, which could take up to 30 days.

To see which American Express cards offer purchase protection and view specific coverage amounts for individual cards, check out Amex's dedicated purchase protection web page.