Does the Bank of America Unlimited Cash Rewards credit card have return protection?

Yes, Bank of America does have return protection. Bank of America return protection reimburses cardholders for undamaged, working items purchased with an eligible Bank of America credit card that cannot be returned to the merchant within 90 days of purchase. The Bank of America return protection coverage limit is $250 per claim and $1,000 per year. The only Bank of America card currently offering return protection is the … read full answerBank of America® Premium Rewards® credit card.

To file a Bank of America return protection claim, use the online claims center or call the number on the back of the card 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.

Keep in mind that not all items will qualify for Bank of America 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.

Bank of America purchase protection covers the damage or theft of new retail purchases made with an eligible Bank of America credit card for 90 days after the purchase. The benefit, also called “Purchase Security,” will pay to repair or replace the item, or reimburse the cardholder, for up to the total purchase price or $10,000, whichever is less.… read full answer

Currently, the only Bank of America credit card with purchase protection is the Bank of America® Premium Rewards® credit card.

Here’s how to file a claim:

To make a Bank of America purchase protection claim, call (888) 221-3289 or visit the Card Benefit Services website within 60 days of the theft or damaging incident. To file a claim for stolen items, you must file a police report within 48 hours of becoming aware of the theft.

You can find a breakdown of Bank of America’s purchase protection rules on the Visa benefits website or in the benefits guide that came with your card. That’s important because some purchases aren’t eligible for Bank of America purchase protection coverage. These include plants, animals, antiques, motor vehicles (including boats), trailers, software, used items, lost items, real estate, medical equipment, perishables, consumables, rented items, and more.

Yes, Bank of America offers price protection. The Bank of America price protection benefit reimburses cardholders the difference between the price originally paid for an item and a lower sale price advertised by another retailer within 60 - 120 days of the purchase date. Bank of America price protection does not cover certain items, such as art, real estate, and customized items.… read full answer

Bank of America Credit Cards With Price Protection

• BankAmericard® credit card
• Sonesta Credit Card
• Free Spirit Airlines Credit Card
• Norwegian Cruise Line® Credit Card

To be covered by Bank of America price protection, the cardholder must have paid for the item entirely using one of these cards or rewards earned with the card. The coverage has a limit of $250 per item, with an annual limit of $1,000 per account.

To file a Bank of America price protection claim, call the Benefit Administrator at 1-800-627-8372 or visit the card benefits website and request a claim form within 60 - 120 days of when the lower price was first advertised. Then, submit the form and any other required documents, such as an itemized purchase receipt, the billing statement showing the purchase, and a copy of the lower-price advertisement, within 180 days of when you opened the claim. Refer to your benefits guide for complete details.