How does American Express purchase protection work?

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.

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.

Yes, American Express does offer extended warranty protection on most of its credit cards. With American Express extended warranty coverage, the original manufacturer’s warranty will last up to 1 extra year when a covered item is purchased with an eligible American Express credit card. American Express extended warranty coverage applies to warranties of 5 years or less.… read full answer

The maximum coverage amount per item under the American Express extended warranty policy is $10,000. The maximum coverage amount per year under this policy is $50,000.

Popular American Express Credit Cards with an Extended Warranty

• The Platinum Card® from American Express
• American Express® Gold Card
• American Express® Green Card
• Blue Cash Preferred® Card from American Express
• Amex EveryDay® Preferred Credit Card
• Hilton Honors American Express Card
• Delta SkyMiles® Reserve American Express Card
• Marriott Bonvoy Brilliant™ American Express® Card
• American Express Blue Business Cash™ Card

Keep in mind that not all American Express cards offer the extended warranty benefit. To view all the eligible cards, visit the Amex extended warranty web page. You can access extended warranty policies for individual credit cards and access information on covered items, exclusions, and how to claim. Alternatively, you can call American Express customer service at (800) 528-4800 and ask about these details before you apply for the card.