Maria Adams, Credit Cards Moderator
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U.S. Bank purchase protection covers the damage or theft of eligible purchases for up to 90 days after the purchase date. Purchase protection will reimburse eligible U.S. Bank cardholders up to $10,000 per item and up to $50,000 per cardholder. Be aware that not all types of purchases are covered under U.S. Bank purchase protection.
How to File a Purchase Protection Claim with U.S. Bank
- Call the Benefit Administrator within 60 days of the incident at 1-888-221-3289 or the number in your card’s benefits guide.
- File a police report within 48 hours of the incident, if the item was stolen.
- Submit a completed claim form within 90 days of the incident.
- Wait for a decision. U.S. Bank will notify you of a decision once your claim has been processed, which could take up to 15 days.
- Get reimbursed for the cost of repairing or replacing the item, if your claim is validated by the Benefit Administrator.
Purchase protection does not come on every U.S. Bank credit card. For specific details on your U.S. Bank credit card’s purchase protection, read through the guide to benefits that came with your card.
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