Amex return protection offers up to $300 per item and $1,500 per year in reimbursement for items purchased with an eligible Amex card that are denied a return by the merchant. An item must be in its original condition to be eligible for Amex return protection, and the cardholder must start the claims process within 90 days of purchase. This benefit is available on nearly 20 Amex cards, such as Blue Cash Preferred, Amex Platinum and Hilton Honors Aspire, as of October 2020.
To file an Amex return protection claim, call 1-800-228-6855 within 90 days of the purchase date to notify Amex of your intent. Then, fill out the claim form you will receive by mail and return it within 30 days of your call. You will also need to provide a copy of the original store receipt, a copy of the credit card statement showing the charge, and any other items Amex requests.
Alternatively, you can file a claim by logging in to your Amex account at the online claims center. There, you’ll be able to see the coverage your card has and fill out a claim form.
American Express Platinum card return protection covers items charged to the American Express Platinum card, up to $300 per item and $1,000 per calendar year, if a cardholder tries to return a covered item within 90 days from the date of purchase and the merchant won’t accept it. American Express will refund the full purchase price, less any shipping charges.… read full answer
To be eligible for American Express Platinum card return protection coverage, an item must be in its original purchase condition and in working order. Also, the merchant that sold the item must have denied your attempt to return it. Some items such as jewelry, computer software, gift cards and more are not covered. A complete list of ineligible items is available on the American Express Platinum card return protection Benefit Guide.
To file an American Express Platinum card return protection claim, call (800) 228-6855 within 90 days of the covered item’s purchase date. You can also request a refund online by clicking “Enter Claims Center Now” and selecting the “Return Protection” option from the “Benefit Information” menu. American Express must receive a signed claim form and any supporting documents within 30 days from your initial call or online request. Once a request has been reviewed and deemed eligible, American Express may instruct you to send the item within 30 days for further evaluation. Make sure you keep a record of your shipping receipt in case the eligible item fails to reach American Express. In the event you are asked to send the purchased item to American Express, you will be reimbursed for the shipping cost.
Yes, American Express has five types of travel insurance available on most Amex credit cards; travel accident insurance, baggage insurance, rental car insurance, trip delay insurance and trip cancellation/interruption insurance. To be eligible for coverage, cardholders must either pay their entire travel fare with an Amex credit card or pay at least part of it with Amex rewards.… read full answer
Travel accident insurance reimburses you when a travel provider causes a death or serious injury. All currently available Amex cards have it. The coverage amounts vary by card. But they can be as high as $500,000.
Baggage insurance pays you back for baggage that a travel provider damages or loses. You can get it on most Amex card offers. The coverage can be as high as $3,000 per person per trip.
Rental car insurance pays for damage to and theft of rental cars. Most Amex cards have it. And the coverage can reach $75,000 per vehicle.
Trip delay insurance covers round-trip flights; if your trip is delayed by more than six hours due to a covered reason. Several Amex cards have it and this benefit will reimburse unexpected expenses — such as meals and personal use items — up to $500 per trip.
Trip cancellation/interruption insurance reimburses you for non-refundable travel expenses, you’re your flight is canceled for a “covered reason” (including inclement weather, sudden illness or injury). Several Amex credit cards have it. It gives you up to $10,000 per trip, with a maximum of up to $20,000 per year.
Amex purchase protection is a credit card benefit that reimburses the cardholder for items bought with the card that get damaged or stolen. The coverage lasts for up to 90 days after the date of purchase, and most Amex cards will pay up to $1,000 per incident and $50,000 per year. Some premium Amex rewards cards, such as Amex Platinum, Amex Gold, Delta SkyMiles Reserve, Hilton Aspire and Marriott Bonvoy Brilliant, offer $10,000 per incident and $50,000 per year instead.… read full answer
Most Amex cards – over 60 in total – come with purchase protection. But it’s important to remember that not all purchases are covered. Some exclusions are animals and living plants, one-of-a-kind items, tickets, downloadable services and more. Be sure to read the fine print in your card’s benefits guide.
To file an Amex purchase protection claim, you will first need to give Amex a “notice of claim” online or by calling 1-800-322-1277. You’ll then need to provide proof of your claim within the 60 days after you receive a claim form. Proof includes the receipt for the item, police reports and/or damage estimates, and more.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.