Amex’s extended warranty covers cardholders for up to $10,000 per item and $50,000 per year. Amex will pay to repair or replace an item, whichever is less expensive. All American Express cards have the extended warranty benefit, and the coverage is the same for all of them.
Keep in mind that some items are excluded. The list is in your benefits guide.
If your item breaks during the extra 1-year warranty period, you can file an American Express extended warranty claim. First, notify Amex of the incident within 30 days. The phone number is (800) 228-6855. Then, within 60 days of Amex sending you a claims form, return the signed version. Also include any supporting documentation that may be necessary. Amex will reimburse you for the loss within 30 days after they receive all the necessary info.
For items that don’t come with a warranty, Amex offers purchase protection. It reimburses you for items you buy with your card that are damaged or stolen. You’re covered for 90 days after the purchase date.
The Visa credit cardextended warranty adds up to one year to eligible items with a U.S. manufacturer’s warranty of three years or less. You’re covered for the original price of the item, up to $10,000 per claim and $50,000 per cardholder. If you purchased the item in full with a valid Visa Signature or Visa Infinite card, you are eligible for this benefit.… read full answer
Here’s how to file a claim:
To file a claim, either log in to the Card Benefit Services Claim Center or call (800) 551-8472. You must file within 60 days from when your item fails, or your claim may be denied. Send receipts, warranty documentation, and an item description and serial number within 90 days.
A Benefit Administrator will decide to replace or repair your item. If they go the repair route, they will refer you to an authorized repair facility. They will pay the repair facility directly, or you can pay the facility for the repair and file a claim for reimbursement.
If all goes as planned, you’ll be reimbursed within five business days of receipt of all required documents. You’ll be reimbursed for no more than the original purchase price of the item. The reimbursement is less any shipping and handling fees for replaced or repaired items.
Here’s what is not covered by Visa credit card extended warranty:
All is not covered under Visa’s Extended Warranty Protection, however. Items not covered include cars, boats, aircraft and other motorized vehicles. Real estate, resale or used items, and computer software are also not covered.The Visa credit card extended warranty offers a second benefit known as Warranty Registration. You’ll register your item by sending the Benefit Administrator your sales receipt(s) and warranty information. When you file a claim, you won’t have to waste any time searching for those documents, as they will already be on file with the Benefit Administrator.
Amex Blue Cash Everyday’s benefits include up to $50,000 in rental car insurance and up to $50,000 in purchase protection. They come at no extra cost to you. Other Amex Blue Cash Everyday benefits include a $100 statement credit for spending $2,000 in the first 6 months, an introductory purchase APR of 0% for 15 months (13.99% - 23.99% (V), thereafter), and a $0 annual fee.… read full answer
But those aren’t the only Amex Blue Cash Everyday benefits. There are a few more, plus some important details you should be aware of.
Here are the Amex Blue Cash Everyday benefits:
Up to $50,000 in rental car insurance: Cars you rent using Amex Blue Cash Everyday are insured against theft, damage, towing and loss of use charges. The cardholder and authorized users are eligible. You must decline the rental agency’s insurance.
Up to $50,000 in purchase protection each year: When something you buy with your card is damaged or is stolen within 90 days, Amex may give you up to $1,000 per item as compensation. Events related to natural disasters are covered up to $500.
Up to $250 statement credit: You get $100 statement credit for spending $2,000 in the first 6 months.
Ongoing spending rewards: 20% cash back on Amazon.com purchases for the first 6 months (up to $150 back), 3% cash back at U.S. supermarkets (up to $6,000 spent per year), 2% back at U.S. gas stations and select U.S. department stores, and 1% back on all other purchases, earned as statement credits.
Introductory purchase APR of 0% for 15 months: Once the introductory period is over, your purchases will be subject to a regular APR of 13.99% - 23.99% (V).
20% back at Amazon: You get 20% back on Amazon.com purchases on your card during the first 6 months of membership, up to $150.
As you can see, there is a long list of Amex Blue Cash Everyday benefits. One downside of the card is that it isn’t great for going abroad or making purchases with online international merchants. There’s a 2.7% foreign transaction fee. There are, however, many other American Express cards with no foreign transaction fees.
Amex Blue Cash Everyday requires a credit score of 700 at a minimum, so you’ll need good credit or better for approval.
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