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American Express cards offer a valuable, complimentary perk that can keep your new purchases safe. With Amex purchase protection, eligible purchases are insured for up to 90 days against damage, theft, and loss. If disaster strikes your new laptop, smartphone, jacket, or any other recent purchase, you could get reimbursed courtesy of this American Express card benefit. Whether you need to use your purchase protection now or you're just curious about how it works, you'll learn all about it in this guide.
American Express purchase protection is short-term insurance for products you buy. For this purchase protection coverage to apply, you must pay for at least a portion of the purchase with your Amex card or American Express rewards points. The maximum you can be reimbursed is the amount of the original charge on your card. There are also coverage limits, which depend on the card that you have.
Most products bought with your American Express card are covered by Amex purchase protection. If an eligible purchase is damaged, stolen, or lost within 90 days of the purchase date, you can file a claim for reimbursement.
There are some types of purchases that aren't covered by Amex purchase protection. These include but are not limited to:
Purchase protection doesn't cover certain types of events. For example, it doesn't protect against normal wear and tear or damage to an item that was purchased for play, such as sports equipment. It also doesn't cover events that occurred because the item wasn't reasonably safeguarded. If the American Express card member left an item in an unlocked car and it was stolen, purchase protection wouldn't help with that.
Travel is also generally excluded from this purchase protection benefit. However, there are plenty of credit cards that offer travel insurance and protections. If that's what you're looking for, then travel cards are a good place to start.
For a full list of what's not covered by American Express purchase protection, review your Amex card's guide to benefits.
Every consumer American Express card offers purchase protection. The coverage maximums vary by card, though. Most offer up to $1,000 per covered purchase. A premium card with a higher annual fee may offer up to $10,000. If you're comparing credit cards based on their purchase protection, you'll find the current American Express consumer cards with this benefit in the table below. It also includes their coverage maximums per purchase and calendar year. Terms apply for all cards in the below table.
|Card||Maximum per covered purchase||Maximum per calendar year|
|American Express Cash Magnet® Card||$1,000||$50,000|
|American Express® Gold Card||$10,000||$50,000|
|American Express® Green Card||$1,000||$50,000|
|The Platinum Card® from American Express||$10,000||$50,000|
|The Amex EveryDay® Credit Card from American Express||$1,000||$50,000|
|Amex EveryDay® Preferred Credit Card||$1,000||$50,000|
|Blue Cash Everyday® Card from American Express||$1,000||$50,000|
|Blue Cash Preferred® Card from American Express||$1,000||$50,000|
|Blue from American Express®||$1,000||$50,000|
|Centurion Card® from American Express||$10,000||$50,000|
|Delta SkyMiles® Blue American Express Card||$1,000||$50,000|
|Delta SkyMiles® Gold American Express Card||$1,000||$50,000|
|Delta SkyMiles® Platinum American Express Card||$1,000||$50,000|
|Delta SkyMiles® Reserve American Express Card||$10,000||$50,000|
|Hilton Honors American Express Aspire Card||$10,000||$50,000|
|Hilton Honors American Express Card||$1,000||$50,000|
|Marriott Bonvoy Brilliant™ American Express® Card||$10,000||$50,000|
To file an Amex purchase protection claim, visit americanexpress.com/onlineclaim. Log in to your American Express account. Click "File a Claim," then provide the required information. If you'd rather file a purchase protection claim by phone, call 1-800-228-6855.
The claim process begins when you file your claim. You should do this within 30 days (or as soon as reasonably possible) of your eligible item being damaged, stolen, or lost. If necessary, American Express will send you claim forms to complete. If you don't receive claim forms within 15 days, you can provide a letter describing the circumstances of your claim.
In addition to filing your claim, you must provide proof of loss within 60 days of the incident or as soon as reasonably possible. American Express will let you know what proof of loss is required for your claims. This depends on the circumstances of the loss. For example, accidental damage would require different proof of loss than theft. Here are a few examples of proof of loss that American Express may ask for:
American Express pays purchase protection claims within 30 days of receiving satisfactory proof of loss and determining the claim is payable.
Purchase protection can save you a lot of money when something happens to a recent purchase. Even when you don't need it, just knowing your card offers it can give you peace of mind. Many of the best credit cards have purchase protection. Fortunately, American Express offers it as one of its standard perks, including with its cards that don't have an annual fee. When you pay with your American Express card, you can count on this useful feature.
Amex purchase protection covers new purchases that are damaged, stolen, or lost within the first 90 days. If that happens due to a covered event, you can file a claim with American Express for reimbursement. This benefit applies if you made the purchase, or at least a portion of it, with your American Express card or American Express points. For information on coverage limits and what's not covered, review your card's guide to benefits.
All consumer American Express cards offer purchase protection for eligible purchases. Amex purchase protection lasts for 90 days from the purchase date. The coverage maximum with most American Express cards is $1,000 per claim. There is, however, a higher maximum of $10,000 per claim with several premium American Express cards.
File an American Express purchase protection claim online by logging in to your account and going to the claims center. In the American Express claims center, click "File a Claim" and go through the claims process. You can also file a purchase protection claim over the phone by calling 1-800-228-6855.
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For rates and fees for the American Express Cash Magnet® Card, click here
For rates and fees for the American Express® Gold Card, click here
For rates and fees for the American Express® Green Card, click here
For rates and fees for the Amex EveryDay® Preferred Credit Card, click here
For rates and fees for the Blue Cash Everyday® Card from American Express, click here
For rates and fees for the Blue Cash Preferred® Card from American Express, click here
For rates and fees for the Blue from American Express®, click here
For rates and fees for the Delta SkyMiles® Blue American Express Card, click here
For rates and fees for the Delta SkyMiles® Gold American Express Card, click here
For rates and fees for the Delta SkyMiles® Platinum American Express Card, click here
For rates and fees for the Delta SkyMiles® Reserve American Express Card, click here
For rates and fees for the Hilton Honors American Express Aspire Card, click here
For rates and fees for the Hilton Honors American Express Card, click here
For rates and fees for the Marriott Bonvoy Brilliant™ American Express® Card, click here
For rates and fees for the The Amex EveryDay® Credit Card from American Express, click here
For rates and fees for the The Platinum Card® from American Express, click here