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
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.
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
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.
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
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.
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