A Guide to Chase Purchase Protection Benefits
Updated
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If you have a Chase card, Chase purchase protection will cover your eligible purchases. This kicks in when a new purchase is damaged or stolen. You can file a claim to get the item repaired, replaced, or reimbursed. It's one of many Chase credit card benefits you'll find, along with extended warranty coverage, return protection, price protection, and travel insurance.
All Chase credit cards have purchase protection, as it's one of the standard benefits. Only some Chase cards have those other coverages. In this guide, you'll learn what's covered, how to file a claim with the card issuer, and purchase protection limits for every Chase card.
Chase purchase protection covers theft or damage to new retail purchases for 120 days after the purchase date. You must pay for the purchase, or at least a portion of it, with your Chase card or rewards from your Chase card. This means your credit card purchase protection also covers items paid for with Chase Ultimate Rewards points.
There are limits to how much Chase purchase protection pays for eligible claims. The maximum is either the amount you paid for the purchase with your Chase card or your Chase card's per-claim limit, whichever is less. For example, many Chase cards have a per-claim limit of $500. If you have one of those cards, then the purchase protection benefit will pay up to $500 on a single claim.
In addition, Chase cards have a separate total limit -- either per card account or per year. If the limit is per card account, that's the maximum purchase protection benefits you can receive with that Chase credit card.
If you're interested in getting a credit card that offers purchase protection, consider checking if you prequalify for a Chase credit card. Here are a few of our favorite Chase cards.
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| Chase Sapphire Preferred® Card | Chase Sapphire Reserve® | Chase Freedom Flex® |
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Rating image, 5.00 out of 5 stars.
5.00/5
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2 stars equals Fair.
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Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
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Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
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Welcome Offer: Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. 100,000 bonus points |
Welcome Offer: Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. 60,000 bonus points |
Welcome Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening! $200 bonus |
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Rewards Program: Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases |
Rewards Program: Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases. 5x points on flights and 10x points on hotels and car rentals through Chase Travel℠. |
Rewards Program: 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases. 5% cash back offer |
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Intro APR: N/A Purchases: N/A Balance Transfers: N/A |
Intro APR: Purchases: N/A Balance Transfers: N/A |
Intro APR: 0% Intro APR on Purchases Purchases: 0% Intro APR on Purchases, 15 months Balance Transfers: 0% Intro APR on Balance Transfers, 15 months |
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Regular APR: 19.99% - 28.24% Variable |
Regular APR: 20.24% - 28.74% Variable |
Regular APR: 18.99% - 28.49% Variable |
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Annual Fee: $95 |
Annual Fee: $550 |
Annual Fee: $0 |
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There are many situations and purchase types that aren't covered by Chase purchase protection. Examples include:
If you want to know more about what is and isn't covered, review the guide that came with your Chase credit card.
Below are the purchase protection limits for every Chase credit card. If you're comparing credit cards based on purchase protection coverage, you can see what each one offers here.
| Card | Purchase protection limit |
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| Chase Freedom Unlimited® (see rates and fees) | $500 per claim and $50,000 per account |
| Chase Freedom Flex® (see rates and fees) | $500 per claim and $50,000 per account |
| Chase Freedom Rise® | $500 per claim and $50,000 per account |
| Chase Sapphire Preferred® Card (see rates and fees) | $500 per claim and $50,000 per account |
| Chase Sapphire Reserve® (see rates and fees) | $10,000 per claim and $50,000 per year |
| Chase Slate Edge℠ | $500 per claim and $50,000 per account |
| Southwest Rapid Rewards® Priority Credit Card (see rates and fees) | $500 per claim and $50,000 per account |
| Southwest Rapid Rewards® Plus Credit Card (see ERROR: Snippet with slug 'southwest-rapid-rewards-plus-credit-card' not found. Reason: CreditCard matching query does not exist.) | $500 per claim and $50,000 per account |
| Southwest Rapid Rewards® Premier Credit Card | $500 per claim and $50,000 per account |
| The New United Club℠ Card | $10,000 per claim and $50,000 per year |
| The New United Quest℠ Card | $10,000 per claim and $50,000 per year |
| The New United Gateway℠ Card | $500 per claim and $50,000 per account |
| The New United℠ Explorer Card | $10,000 per claim and $50,000 per year |
| British Airways Visa Signature® Card | $500 per claim and $50,000 per account |
| Aer Lingus Visa Signature® card | $500 per claim and $50,000 per account |
| Iberia Visa Signature® card | $500 per claim and $50,000 per account |
| Aeroplan® Credit Card | $500 per claim and $50,000 per account |
| Marriott Bonvoy Boundless® Credit Card | $500 per claim and $50,000 per account |
| Marriott Bonvoy Bountiful℠ Credit Card | $500 per claim and $50,000 per account |
| Marriott Bonvoy Bold® Credit Card | $500 per claim and $50,000 per account |
| The World of Hyatt Credit Card | $500 per claim and $50,000 per account |
| Disney® Premier Visa® Card (see rates and fees) | $500 per claim and $50,000 per account |
| Disney® Visa® Card (see rates and fees) | $500 per claim and $50,000 per account |
| IHG One Rewards Premier Credit Card | $500 per claim and $50,000 per account |
| IHG One Rewards Traveler Credit Card | $500 per claim and $50,000 per account |
| Amazon Visa | $500 per claim and $50,000 per account |
| Prime Visa (see rates and fees) | $500 per claim and $50,000 per account |
| DoorDash Rewards Mastercard® | $500 per claim and $50,000 per account |
| Instacart Mastercard® | $500 per claim and $50,000 per account |
| Ink Business Unlimited® Credit Card (see rates and fees) | $10,000 per claim and $50,000 per account |
| Ink Business Cash® Credit Card (see rates and fees) | $10,000 per claim and $50,000 per account |
| Ink Business Preferred® Credit Card (see rates and fees) | $10,000 per claim and $50,000 per account |
| Ink Business Premier® Credit Card (see rates and fees) | $10,000 per claim and $50,000 per account |
| The New United℠ Business Card (see rates and fees) | $10,000 per claim and $50,000 per account |
| United Club℠ Business Card | $10,000 per claim and $50,000 per account |
| Southwest® Rapid Rewards® Performance Business Credit Card | $10,000 per claim and $50,000 per account |
| Southwest Rapid Rewards® Premier Business Credit Card | $10,000 per claim and $50,000 per account |
| Southwest® Rapid Rewards® Premier Business Credit Card | $10,000 per claim and $50,000 per account |
| IHG One Rewards Premier Business Credit Card | $10,000 per claim and $50,000 per account |
| rates and fees (see rates and fees) | $10,000 per claim and $50,000 per account |
Don't you wish you could take a peek inside a credit card expert's wallet sometimes? Just to see the cards they carry? Well, you can't look in anybody's wallet, but you can check out our experts' favorite credit cards. Get started here:
Chase's purchase protection limits are competitive with the best credit cards. That's particularly true with some of its higher-end cards that come with limits of $10,000 per claim and $50,000 per account or per year.
The fastest way to submit a Chase purchase protection claim is through its online claims center, eClaimsline. You can also call 1-888-320-9656. Note that certain Chase credit cards have different purchase protection claim phone lines. You may want to check the guide to benefits for your specific Chase card to see if there's another phone number available.
You must notify the benefit administrator online or by phone within 90 days of the damage or theft. If you don't, your claim may be denied.
Once you've done that, you'll receive claim forms. The benefit administrator will also tell you what other documentation is required. You may need the following documents:
Submit the claim forms and any required documents within 120 days of the damage or theft.
Chase purchase protection is a cardholder perk you hope you never need to use. But if something you buy is damaged or stolen, you'll be happy the credit card company offers this feature. It's also nice to have peace of mind that your new purchases are covered.
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
| Offer | Our Rating | Welcome Offer | Rewards Program | APR | Learn More |
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Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Discover will match all the cash back you’ve earned at the end of your first year. | 1% - 5% Cashback Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases. |
Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular: 18.24% - 27.24% Variable APR |
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Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
$200 cash rewards Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. | 2% cash rewards Earn unlimited 2% cash rewards on purchases. |
Intro: 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers Purchases: 0% intro APR, 12 months from account opening Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers Regular: 19.24%, 24.24%, or 29.24% Variable APR |
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Apply Now for Bank of America® Travel Rewards credit card
On Bank of America's Secure Website. |
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
25,000 points 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases | 1.5-3 points per dollar Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open. Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center. |
Intro: 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America. Purchases: 0% Intro APR for 15 billing cycles for purchases Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days Regular: 18.24% - 28.24% (Variable) |
Apply Now for Bank of America® Travel Rewards credit card
On Bank of America's Secure Website. |
Chase purchase protection covers eligible new purchases in the event of damage or theft. If either of those occur to an eligible purchase, you can file a claim to get it repaired, replaced, or reimbursed. This protection lasts for 120 days from the purchase date.
Not all purchases made with a Chase card are covered by purchase protection. Certain types of items, such as used products, collectibles, motorized vehicles, and products purchased for professional use, aren't eligible. Purchases that vanish with no evidence of wrongdoing also won't be covered.
You'll find a longer list of purchases that aren't covered in the benefits guide that comes with each Chase credit card.
To file a Chase purchase protection claim, go to the credit card issuer's online claims center. Click "New Claim" to start the claim process. If you'd rather file a claim over the phone, you can call 1-888-320-9656.
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