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American Express cards are typically considered premium cards. They include a lot of great benefits, including rewards programs like the American Express rewards points. If you're an American Express cardholder or plan to apply for a card in the future, you'll be happy to know that many Amex cards include American Express return protection. This protection can give you greater confidence when shopping. Keep reading to understand what's included with Amex return protection and to learn which Amex credit cards have this coverage.
Amex return protection is a benefit that is included with many American Express business or travel cards. This purchase protection offers reimbursement for eligible purchases made with certain Amex cards. If you try to return an item to a store within 90 days of purchase and the retailer will no longer take the item back, Amex will refund you the cost of the purchase.
This coverage is especially helpful because some retailers have short return policies of either 30 or 60 days, meaning you may not be able to return an item that you no longer want. Thanks to your Amex card, you can feel more confident when shopping, knowing that you have some added protection.
There are limitations in place for this kind of purchase protection. If your card includes American Express return protection, Amex will refund up to $300 per item, including shipping and handling charges. With this benefit, you're able to claim up to a maximum of $1,000 in refunds per calendar year. The date is based on the date of purchase, not the year you filed the claim. You must have used an eligible card to purchase the item.
If the retailer has a return policy that is greater than or equal to the terms of Amex return protection and they provide coverage for your claims, you won't be eligible for a refund from American Express. Additionally, if you do file an American Express return protection claim request, any product rebates, discounts, or money received from the lowest price comparison programs will be deducted from the original cost of the item.
Unfortunately, Amex return protection coverage won't cover every purchase that you make. You must have purchased the items within the United States, District of Columbia, Puerto Rico, or the U.S. Virgin Islands. Items must also be in working order and must be the original purchase -- that means the item can't be visibly used or defective.
Here is a list of items excluded from American Express return protection coverage:
If you're unsure if a particular item will be covered by your card's American Express return protection, it's best to contact Amex customer service by calling 1-800-228-6855. A representative can verify the details of your coverage and answer any questions that you have.
The good news is many Amex cards include American Express return protection.
The following cards offer this protection. Terms apply for all cards listed below:
If you have a premium Amex card with this benefit, it's easy to file an Amex return protection claim. You'll need to first check with the retailer to verify that they won't accept a return. If the store doesn't take the item back, then you'll need to contact Amex within 90 days of the purchase date to notify a customer service representative of your request. You can make an official request by calling 1-800-228-6855.
After making the initial call, you'll need to provide American Express with the following within 30 days of your call date:
Once your American Express return protection request is reviewed and proven to be eligible, you may need to send the item to Amex within 30 days for further evaluation. Keep a record of your shipping in case Amex doesn't receive your item. If you're asked to mail the item, American Express will reimburse you for the shipping costs.
Once you make a claim, you can verify the status of your claim by logging into your Amex account.
If you're looking for one of the best credit cards, American Express gives you plenty of options to choose from. And if you're not yet an Amex cardholder that has American Express return protection included in their card benefits, it may be time to apply for a new card.
This protection works in the form of reimbursement. If a cardholder is unable to return an eligible item to the store within 90 days of the original purchase date, Amex will offer reimbursement. The reimbursement covers the total purchase price up to $300 and the benefit allows for a maximum of $1,000 in returns per year.
No. Currently, select American Express cards include credit card return protection. Visit the American Express website to see which cards offer return protection.
Submitting a return protection claim is easy to do. First, a cardholder must contact Amex by phone at 1-800-228-6855 within 90 days of their purchase date. Then, the cardmember will need to provide American Express with further information related to their claim -- this may include an original store receipt and the credit card statement with the charge. The cardmember may be asked to mail out the item to American Express, too.
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