No, the American Express® Gold 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, the Amex Gold card does offer extended warranty protection. The Amex Gold card extended warranty policy will lengthen the original manufacturer’s warranty by up to 1 extra year for warranties of 5 years or less. The maximum coverage amount per item under the Amex Gold card extended warranty policy is $10,000. The maximum coverage amount per year under this policy is $50,000.… read full answer
What is not covered:
Amex Gold card extended warranty protection does not cover motorized vehicles, live animals, live plants, or used items, among other things. For more details on this perk’s terms and conditions, refer to the guide to benefits that came with your Amex Gold card. Alternatively, ask American Express customer service by calling (800) 228-6855.
In addition to extended warranty coverage, the Amex Gold card offers purchase protection, rental car insurance, and dispute resolution. This card has an annual fee of $250. All in all, the Amex Gold card is a good card for people who spend heavily on their card each year.
Amex Gold card purchase protection covers the damage or theft of eligible purchases for up to 90 days after the purchase date. Purchase protection will reimburse Amex Gold card cardholders for up to $10,000 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 Amex Gold card… read full answer
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 Amex Gold card purchase protection benefit. To see which items are covered by this perk, check the guide to benefits that came with your card.
The best Amex Gold card benefits are trip delay insurance and baggage insurance. The American Express® Gold Card also has extended warranty and purchase protection, which are more common perks across American Express credit cards.
Along with these benefits, the Amex Gold card has a $250 annual fee and gives rewards on all purchases. As long as you have good credit, the American Express® Gold Card is certainly a card to consider adding to your wallet.
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