How does the Capital One Quicksilver purchase protection work?

The Capital One Quicksilver purchase protection benefit covers eligible items against damage and theft for 90 days after the purchase date. In order to qualify, pay for your purchase entirely with your Capital One Quicksilver card. For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Capital One Quicksilver purchase protection replaces, repairs or reimburses you up to the original purchase price, but not exceeding a pre-determined amount per claim.

Here’s how the Capital One Quicksilver purchase protection benefit works:

• What it is: Purchase protection or "purchase security" replaces, repairs or reimburses you for eligible items purchased entirely with your Capital One Quicksilver card against theft or damage within the first 90 days of the purchase date.
• How much is covered: Coverage is up to the stolen/damaged item, or up to a pre-determined amount per purchase, whichever is less. Capital One Quicksilver is issued as a Mastercard, but networks change often and there are both VISA and Mastercard versions of the card. You can check the full amounts covered for both VISA and Mastercard.
• What is covered: Eligible purchases include items damaged due to fire, explosion, vandalism, vehicles, accidental discharge of water, theft, or sudden accidental damage from electric current.
• What is not covered: Excluded items include animals and living plants, boats, automobiles, aircraft, items purchased for resale, professional or commercial use, medical equipment, and perishable items. Theft from motorized vehicles I also not covered.
• How to file a claim: If your Capital One Quicksilver is a Mastercard, call your Benefit Administrator at (888) 531-4227 within 60 days of the theft or damage. For VISAs, call (820) 553-4820 within the same time frame. If your purchase is stolen or damaged, make sure to also file a police report within 48 hours of the occurrence. You will be given a claim form which you will have to complete and return along with other requested documents, within 180 days of the incident for Mastercard and 90 days for VISA. Alternatively, you can also file a claim through Card Benefit Services. In the event of damaged items, you may be asked to send the damaged item along with the claim, at your expense.

To learn more about Capital One Quicksilver purchase protection, log in to your online account, select the "I want To" menu and click "Read about card Benefits." Simply match the benefits with your Capital One Quicksilver network – you can find it listed on your statement.