Quite a few American Categorical playing cards supply buying protections that may defend your purchases and the cash you’ve spent on them. Protection phrases and limits fluctuate by card. Moderately than attempting to recollect all of this by yourself, we’ll information you thru the varied buying protections provided by American Categorical playing cards.
This information offers a complete overview of the buying protections obtainable throughout the American Categorical card portfolio. Every part outlines a kind of protection and the playing cards that provide it. Protection limits are additionally included.
Cellphone safety
Smartphones aren’t low cost. Cellphone safety covers a stolen or broken cellphone. Word that beauty injury and telephones which might be misplaced (even throughout delivery) aren’t normally lined.
All American Categorical playing cards with this profit supply the identical stage of safety. In case your cellphone is broken or stolen, American Categorical’s most legal responsibility per declare is $800. Every declare is topic to a $50 deductible, and protection is restricted to 2 claims per eligible account in a 12-month interval. Coated telephones are restricted to cellphone strains listed on a cell phone plan that is paid with the eligible card throughout the newest billing interval.*
Listed here are the playing cards that embody this safety:
*Eligibility and profit ranges fluctuate 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 supplied by the cardboard issuer.
Prolonged guarantee
While you use your eligible card to buy objects which have a producer’s guarantee, prolonged guarantee safety can add as much as one additional 12 months to the producer’s guarantee. Protection applies to warranties of 5 years or much less. Nonetheless, some purchases don’t obtain prolonged guarantee safety from American Categorical, similar to motor autos.
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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 12 months.*
Listed here are the playing cards that embody this safety while you use them to buy journey:
*Eligibility and profit ranges fluctuate 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 supplied 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 possibly can return eligible purchases to American Categorical for as much as 90 days from the date of buy.
With return safety, American Categorical could refund the total buy worth (excluding delivery and dealing with) as much as $300 per merchandise and as much as a most of $1,000 per calendar 12 months per card account. To be eligible, it’s essential to pay for the whole thing of the merchandise along with your eligible American Categorical card, and purchases should be made within the U.S. or its territories.*
Listed here are the playing cards that present return safety when utilizing them for purchases:
*Eligibility and profit ranges fluctuate 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 supplied by the cardboard issuer.
Buy safety
Whereas the return safety permits you to 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 totally different “ranges” of protection, relying on the cardboard you carry.
Degree 1: Larger-end playing cards
Playing cards at this stage supply protection with a restrict as much as $10,000 per incidence and as much as $50,000 per cardmember account per calendar 12 months.*
The next playing cards present this profit:
Degree 2: Mid-tier playing cards
Different American Categorical playing cards supply buy safety with a restrict of as much as $1,000 per incidence and as much as $50,000 per cardmember account per calendar 12 months.*
Listed here are the playing cards that embody this safety while you use them to pay to your objects:
*Eligibility and profit ranges fluctuate 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 supplied 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 incorrect. American Categorical offers 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 fluctuate by which card you could have, so seek the advice of your card’s detailed advantages at americanexpress.com/benefitsguide for full particulars.
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