Quite a few American Express cards supply buying protections that may defend your purchases and the cash you’ve spent on them. Protection phrases and limits differ by card. Fairly than making an attempt to recollect all of this by yourself, we’ll information you thru the assorted buying protections supplied by American Specific playing cards.
This information gives a complete overview of the buying protections accessible throughout the American Specific card portfolio. Every part outlines a kind of protection and the playing cards that supply it. Protection limits are additionally included.
Cellphone safety
Smartphones aren’t low-cost. Cellphone safety covers a stolen or broken cellphone. Be aware that beauty harm and telephones which are misplaced (even throughout transport) should not normally lined.
All American Specific playing cards with this profit supply the identical stage of safety. In case your cellphone is broken or stolen, American Specific’s most legal responsibility per declare is $800. Every declare is topic to a $50 deductible, and protection is proscribed to 2 claims per eligible account in a 12-month interval. Lined telephones are restricted to cellphone strains listed on a cell phone plan that is paid with the eligible card throughout the latest billing interval.*
Listed below are the playing cards that embrace this safety:
*Eligibility and profit ranges differ by card. Phrases, situations, and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.
**The knowledge for these playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Prolonged guarantee
If you use your eligible card to buy objects which have a producer’s guarantee, prolonged guarantee safety can add as much as one further yr to the producer’s guarantee. Protection applies to warranties of 5 years or much less. Nevertheless, some purchases don’t obtain prolonged guarantee safety from American Specific, similar to motor automobiles.
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All Amex playing cards with this profit present the identical stage of safety. The prolonged guarantee protection is as much as the precise quantity charged to your card for the merchandise, with a most of $10,000. There’s an annual restrict of $50,000 per cardmember account in a calendar yr.*
Listed below are the playing cards that embrace this safety if you use them to buy journey:
*Eligibility and profit ranges differ by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.
**The knowledge for these playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Return safety
Have you ever ever tried to return an merchandise and the shop or vendor wouldn’t take it again? In these situations, you may return eligible purchases to American Specific for as much as 90 days from the date of buy.
With return safety, American Specific could refund the total buy value (excluding transport and dealing with) as much as $300 per merchandise and as much as a most of $1,000 per calendar yr per card account. To be eligible, it’s essential to pay for the whole thing of the merchandise together with your eligible American Specific card, and purchases should be made within the U.S. or its territories.*
Listed below are the playing cards that present return safety when utilizing them for purchases:
*Eligibility and profit ranges differ by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars.
**The knowledge for these playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Buy safety
Whereas the return safety means that you can return objects, buy safety is for objects you need to hold however which have been unintentionally broken, stolen or misplaced throughout a interval extending for as much as 90 days from the acquisition date. Buy safety is an embedded card profit and doesn’t require enrollment.
This profit has two completely different “ranges” of protection, relying on the cardboard you carry.
Stage 1: Increased-end playing cards
Playing cards at this stage supply protection with a restrict as much as $10,000 per prevalence and as much as $50,000 per cardmember account per calendar yr.*
The next playing cards present this profit:
Stage 2: Mid-tier playing cards
Different American Specific playing cards supply buy safety with a restrict of as much as $1,000 per prevalence and as much as $50,000 per cardmember account per calendar yr.*
Listed below are the playing cards that embrace this safety if you use them to pay on your objects:
*Eligibility and profit ranges differ by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.
**The knowledge for these playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Backside line
Understanding your card’s buying and buying advantages will assist you realize what to do if one thing goes mistaken. American Specific gives a number of buying protections throughout its household of playing cards, defending objects you need to hold and people you need to return.
Protection limits inside the identical profit can differ by which card you will have, so seek the advice of your card’s detailed advantages at americanexpress.com/benefitsguide for full particulars.
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