Return Protection offers you an extended return policy on eligible items charged entirely on an eligible American Express® Card. If you try to return an eligible item within 90 days from the date of purchase and the merchant won’t take it back, American Express may refund the full purchase price, up to $300 per item, excluding shipping and handling charges related to the item purchased, and up to a maximum of $1,000 per Card Member account per calendar year based on the date of purchase, not during the year the claim was filed.
Full Answer
What is the American Express card return policy?
All American Express cards come with the same return protection policy, offering you compensation when a store will not accept a return of an eligible item within 90 days of purchase. In these cases, Amex will refund the entire purchase price up to $300 per item, excluding shipping and handling charges.
How does Amex extended warranty protection work?
For this benefit to apply, you must pay for the purchase with your American Express card or American Express rewards points. Eligible purchases with an original manufacturer's warranty are covered by Amex extended warranty protection. You can file a claim if there's a problem with the item due to a covered event during the extended warranty period.
What are the limitations of Amex return policy?
Amex will reimburse you up to a maximum of $1,000 per card member account per calendar year based on the date of purchase. So the key limitations are that the return attempt must be made within 90 days of purchase and that you can reimbursed up to a maximum of $300. Tip: Use WalletFlo for all your credit card needs.
What is AmEx credit card return protection?
One of the great perks about using a credit card to make a purchase is that you’ll usually receive built-in protections for that purchase. This is especially the case with Amex cards which offer great return protection. In this article, I’ll explain what Amex return protection is and how it works.
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Does Amex offer return protection?
What is Amex return protection? 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.
What is the Amex 2 90 rule?
Amex 2-in-90 rule American Express restricts card approvals to no more than two within 90 days. You'll want to coordinate this restriction with the 1-in-5 rule to increase your odds of being approved for multiple Amex cards. Unfortunately, there are no exceptions to the Amex 2-in-90 rule.
Does Amex Platinum have return protection?
American Express Platinum card return protection covers items entirely charged to the American Express Platinum card, up to $300 per item and $1,000 per calendar year per account, if a cardholder tries to return a covered item within 90 days from the date of purchase and the merchant won't accept it.
What is Amex grace period?
When are American Express payments due? Your grace period is the time between your statement date and your due date. The typical grace period for American Express credit cards is 25 days.
Does Amex have a 5 24 rule?
While American Express doesn't have a "5/24" rule like Chase does, the issuer does limit welcome offer eligibility based on your card history — nominally, you're eligible for one welcome offer per credit card “per lifetime,” but it's not necessarily as simple as that.
What is the 5 24 rule?
What is the 5/24 rule? Many card issuers have criteria for who can qualify for new accounts, but Chase is perhaps the most strict. Chase's 5/24 rule means that you can't be approved for most Chase cards if you've opened five or more personal credit cards (from any card issuer) within the past 24 months.
Does Amex have section 75 protection?
American Express charge cards are not covered – including the The Platinum Card. However, Amex chooses to voluntarily match Section 75 protection although it is not legally obliged to. Section 75 only applies if you paid directly.
Does Amex Platinum have extended warranty?
Yes, the American Express Platinum card does offer extended warranty protection. The American Express Platinum card extended warranty policy will lengthen the original manufacturer's warranty by up to 1 extra year for warranties of 5 years or less.
Do all Amex cards have purchase protection?
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.
What is Amex late fee?
American Express will charge a late fee of $29 the first time you fail to make at least your American Express Platinum card minimum payment by the due date. The fee goes up to $40 if there's another late payment in the following six billing periods.
What happens if I pay my Amex a day late?
Late Payment For each following Closing Date that an amount past due remains unpaid, we may charge a fee of the greater of $38 or 2.99% of any past due Pay In Full amounts. Your late fee will not exceed the Amount Due or any limit established by applicable law. Paying late may also result in a penalty APR.
Will Amex remove late fee?
The good news is that American Express does have a late fee forgiveness plan that can help. They approve late fee waivers on a case-by-case basis. AMEX has a financial relief program that can waive late fees if you are experiencing financial hardship due to problems like a lost job or medical expenses.
How does return protection work?
What is return protection? Return protection is a perk that extends the “return life” of an item or creates a return policy where perhaps none existed before and is typically provided by credit card processors (e.g., Mastercard or American Express) rather than issuers (e.g., Chase or Citi).
How do I return my Amex Platinum card?
Call customer service at (800) 528-4800, whether you are requesting a replacement card or closing the account, and American Express will either send a return envelope or provide an address where you can send the old card. You should not try to destroy an American Express Platinum card on your own.
How do I do a chargeback on American Express?
Go to the Inquiry & Dispute Center. Click on 'Open a Billing Dispute' Select the transaction in question and follow the steps to complete your request.
How long does it take Amex to process a purchase protection claim?
Submit your completed claim form within 60 days after having received it. Amex will notify you of a decision after they've processed your claim, which could take up to 30 days.
Do all American Express cards offer extended warranty coverage?
Not all American Express cards offer extended warranty coverage. You can currently get extended warranty coverage with the following consumer Ameri...
Are all purchases covered by American Express' extended warranty?
American Express extended warranty covers eligible purchases with an original manufacturer's warranty of up to five years. Most types of purchases...
How do I submit an extended warranty claim to American Express?
Visit the American Express online claims center to submit an extended warranty claim. Once you log in, click "File a Claim" and enter the required...
How long does it take to return an item to American Express?
If you try to return an eligible item within 90 days from the date of purchase and the merchant won’t take it back, American Express may refund the full purchase price, up to $300 per item, excluding shipping and handling charges related to the item purchased, and up to a maximum of $1,000 per Card Member account per calendar year based on the date of purchase, not during the year the claim was filed.
What happens if you request return protection?
If any request for benefits made under the Return Protection benefit is determined to be fraudulent , or if any fraudulent means or devices are used by you or by anyone acting on your behalf to obtain benefits, all benefits will be forfeited.
How to file an extended warranty claim with American Express?
Visit the American Express online claims center to submit an extended warranty claim. Once you log in, click "File a Claim" and enter the required information. American Express also lets you submit extended warranty claims over the phone by calling 1-800-228-6855.
How long is the warranty on an Amex card?
For example, let's say you use your Amex card to buy a new television with an 18-month warranty. If it broke down after 20 months, you'd be able to claim the cost of the repair or replacement with American Express.
What is covered by Amex warranty?
What is covered. Eligible purchases with an original manufacturer's warranty are covered by Amex extended warranty protection. You can file a claim if there's a problem with the item due to a covered event during the extended warranty period. If the claim's approved, the American Express extended warranty will pay for the appropriate repair ...
How long does an extended warranty last?
Note the extended warranty won't apply if either the original warranty or a purchase service contract lasts longer than five years. For this benefit to apply, you must pay for the purchase with your American Express card or American Express rewards points.
How long does it take for American Express to pay benefits?
When American Express has received satisfactory proof and determined the claim is payable, it pays benefit claims within 30 days. Extended warranty service usually isn't the first thing people look at when evaluating rewards credit cards. It is, however, a valuable extra.
What is unconditional satisfaction guarantee?
Items covered by an unconditional satisfaction guarantee. Animals or living plants. One-of-a-kind items, such as artwork, antiques, and furs. Previously owned or used items, except ones refurbished by the original manufacturer. Consumable items or items with a limited lifespan.
Do warranty cards last forever?
Manufacturer's warranties protect you if there's a problem with something you bought. These warranties don't last forever, but you can lengthen them with many of the best credit cards. For example, Amex extended warranty protection will get you an extra year on eligible warranties -- as long as you pay with the right American Express card.
When does extended warranty take effect?
Extended Warranty. benefits take effect for eligible purchases made on and after: • January 1, 2020 when other than a New York State Card Member • October 1, 2020 when a New York State Card Member This Benefit Guide replaces any .
How long is an extended warranty?
means a period of time equal to the length of the original manufacturer’s warranty when the original warranty is less than two (2) years, or two (2) additional years if the original manufacturer’s warranty is between two (2) years and five (5) years. Insurance Policy or Policy .
What does "American Express" mean?
means a person who has been issued a United States of America based proprietary American Express Card and who has a Permanent Residence in the 50 United States of America, or the District of Columbia, or Puerto Rico or the U.S. Virgin Islands.
What does extended warranty mean?
means AMEX Assurance Company. Extended Warranty Period . means a period of time equal to the length of the original manufacturer’s warranty when the original warranty is less than two (2) years, or two (2) additional years if the original manufacturer’s warranty is between two (2) years and five (5) years.
How much does American Express refund?
If you try to return an eligible item within 90 days from the date of purchase and the merchant won’t take it back, American Express may refund the full purchase price, up to $300 per item (excluding shipping and handling charges).
How to file a claim with Amex?
To file a claim, call 1-800-228-6855 within 90 days of the purchase date to notify Amex of your request. Within 30 days of that phone call, Amex will need you to send in the following: A copy of the original store receipt. A copy of the American Express Card record of charge.
Is American Express return protection good?
American Express return protection is a solid benefit that you should definitely consider taking advantage of. The key with perks like this is to act promptly and to keep track of your documentation.
Does Amex reimburse for shipping?
Amex will reimburse you for all shipping costs . In reality, you’re not always asked to send in your receipts or even the item you couldn’t return. This is true for cheaper items but if you’re dealing with more expensive items (i.e., those close to $300), Amex might require you to send them in.
How much does Amex cover?
With most Amex cards, you’re covered for up to $1,000 per covered incident and up to $50,000 per year, but the reimbursement doesn’t include any shipping or handling expenses. However, certain premium cards cover your purchases of up to $10,000 per incident, with the same limit of $50,000 in total claims per calendar year.
How to file a claim on Amex?
How to file a claim. You must file a claim within 90 days of your original purchase at www.AmericanExpress.com/onlineclaim or by calling 1-800-297-8019. You’ll be asked for a copy of the receipt and your Amex purchase record.
How long does it take for American Express to reimburse you for theft?
Purchase Protection. Purchase protection will reimburse you for theft or accidental damage to eligible items that occurred within 90 days of purchase. To be eligible, all you have to do is charge a portion of your qualifying purchase to your American Express card — but you’ll only be reimbursed up to the amount charged to your card.
How long is a phone warranty?
(Photo by Getty Images) This policy matches the manufacturer’s warranty of less than two years and extends warranties of up to five years by an additional 1-2 years, depending on the card.
Popular American Express Credit Cards with an Extended Warranty
Keep in mind that not all American Express credit cards offer the extended warranty benefit. Information on covered items and exclusions can be found in the guide to benefits that came with your credit card, or you can ask American Express customer service about these details before you apply for the card.
2021's Best American Express Credit Cards
American Express purchase protection works by covering the damage or theft of eligible purchases for up to 90 days after the purchase date. Eligible American Express cardholders can get reimbursed up to $1,000 or $10,000 per item (depending on the card) and up to $50,000 per cardholder. Keep in mind
