Quite a few American Specific playing cards provide buying protections that may shield your purchases and the cash you’ve spent on them. Protection phrases and limits differ by card. Relatively than attempting to recollect all of this by yourself, we’ll information you thru the varied buying protections supplied by American Specific playing cards.
This information supplies a complete overview of the buying protections out there 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. Word that beauty injury and telephones which can be misplaced (even throughout delivery) are usually not often lined.
All American Specific playing cards with this profit provide the identical degree 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 restricted 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, circumstances, and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.
**The data 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 gadgets which have a producer’s guarantee, prolonged guarantee safety can add as much as one additional yr 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 Specific, equivalent to motor automobiles.
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All Amex playing cards with this profit present the identical degree 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 whenever you use them to buy journey:
*Eligibility and profit ranges differ by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.
**The data 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 Specific for as much as 90 days from the date of buy.
With return safety, American Specific might refund the complete buy worth (excluding delivery 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, you could pay for everything of the merchandise along with your eligible American Specific card, and purchases have to 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, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars.
**The data 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 gadgets, buy safety is for gadgets you need to hold however which have been by chance 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.
Stage 1: Larger-end playing cards
Playing cards at this degree provide 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 provide 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 whenever you use them to pay in your gadgets:
*Eligibility and profit ranges differ by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.
**The data 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 recognize what to do if one thing goes incorrect. American Specific supplies a number of buying protections throughout its household of playing cards, defending gadgets you need to hold and people you need to return.
Protection limits throughout the similar 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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