Chase credit card purchase protection covers you for up to $50,000 annually for lost, damaged or stolen items purchased with an eligible Chase card. Claims must be filed within 120 days of the incident in order to be eligible. Protection covers the cardholder and the recipient of items purchased as gifts on an eligible Chase credit card.
Chase credit cards covered under purchase protection have varying coverage limits per item. With the Freedom, Freedom Unlimited, and Sapphire Preferred, you’re covered up to $500 per item, up to the $50,000 annual limit. Others such as the Sapphire Reserve and the co-branded UnitedPlus Mileage Club card will cover you up to $10,000 per item. Refer to your Chase credit card’s Guide to Benefit for your specific per item coverage limit.
When you file a claim, Chase will either repair or replace the item, at the Benefit Administrator’s discretion. In some cases, you will reimbursed for the purchase price of your item as reflected on your Chase credit card statement.
Here is how Chase credit card purchase protection works:
- Call the Benefit Administrator at the phone number on the back of your Chase credit card, or in your Guide to benefits. You can also file online at eclaimsline.com. You must contact the Benefit Administrator within 90 days of any loss, damage, or theft, or you will risk having your claim denied.
- You will receive a claim form when you file. Fill out the form completely, and provide any requested documentation within 120 days of the occurrence.
- Required documents include the signed claim form, a copy of your Chase credit card statement to verify the item was purchased on your card. If applicable, you will also need to provide a fire or police within 48 hours of the occurrence. If the item can be repaired, send a copy of either a repair estimate or paid receipt for repairs.
- Gift recipients must provide all requested documents in order to substantiate the claim.
- If the claim is for a damaged item, you may be asked to send it to the Benefit Administrator, at your expense.
- You will be notified of the decision to repair or replace your item within 15 days of receipt of the required documentation.
- If you’re reimbursed, you’ll be compensated for no more than the purchase price on your credit card statement, or your card’s per item coverage limit, whichever is less. You should receive your reimbursement within five business days of receipt and approval of all required documents.
Not all items are covered by Chase Purchase Protection. Those include, but are not limited to, unsubstantiated lost items, motorized vehicles, antiques and collectibles, used items, and computer software. Refer to your Chase credit card’s Guide to Benefit for a complete list of non-covered items.
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.