Chase Sapphire Reserve® return protection will reimburse you for the cost of a purchase, up to $500, if the merchant won’t let you return it. It applies for 90 days after you make a purchase with Sapphire Reserve, and you’re eligible for up to $1,000 in refunds per year. Even purchases paid for with rewards are protected. Those are all reasons why Chase Sapphire Reserve is one of the best credit cards for purchase protection, according to WalletHub’s editors.
That’s the most important info. But there are a few more details you should know before deciding how good the coverage is.
Here’s how Chase Sapphire Reserve return protection works:
Coverage applies to most purchases paid for with Chase Sapphire Reserve or Chase Ultimate Rewards points. Even purchases split between Sapphire Reserve and another payment method are covered.
Items that don’t qualify for Chase Sapphire Reserve purchase protection include: animals and plants, motor vehicles, cash and gift cards, computer software, jewelry, art, formalwear, anything perishable, home appliances, holiday decorations, and medical equipment.
To make a claim, you must call the benefit administrator at 1-888-675-1461 within 90 days of a purchase.
The item needs to be in like-new condition for you to get reimbursed. You’ll need to send it to the benefit administrator with its original packaging and pay for shipping yourself.
You’ll have to submit at least the original sales receipt and card receipt, if they’re different. More may be required if you use another payment method in addition to Chase Sapphire Reserve.
If you file a claim within 30 days of purchase, you may need to send a copy of the store’s returns policy.
Chase Sapphire Reserve return protection gives you up to $1,000 per year for items that you can’t return. You just have to charge the purchase to your card and save the receipts. Make sure to check with the retailer before filing a claim, though. Sapphire Reserve’s protection is only supposed to fill in any gaps in a store’s return policy.
Pretty good. If you are dissatisfied with an item you purchased with your card and the merchant will not accept the return, Return Protection will reimburse you for the cost of the item. Just remember to make a claim within 90 days from your purchase.
That's a really cool benefit of the card. It reimburses you if you aren't satisfied with the item you bought, and the merchant doesn't accept the return, within 90 days from purchase. Of course the item needs to have been paid for with a Chase card, and it must be in good condition. You can get back as much as $500 per item, with a maximum of $1,000 per year.
The maximum per year is $1,000 for refunds, which is pretty great. Keep in mind, you always have to try to get the item returned first.
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