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This is another installment in my Maximizing Amex series where I examine the benefits of American Express cards and Amex’s Membership Rewards Program. The articles include; Post 1: Understanding the Card Offering. Post 2: Understanding Membership Rewards. Post 3: Understanding Transfer Bonuses. Post 4: Platinum Card Review. Post 5: SkyTeam Transfer Partners. Post 6: Oneworld Transfer Partners. Post 7: Star Alliance Transfer Partners. Post 8:Understanding Emergency Travel Assistance and Travel Accident Insurance. Post 9: Purchase and Return Protection and Extended Warranty. Post 10: Car Rental Benefits. Post 11: Gold and Premier Rewards Gold Card Comparison.

Purchase Protection: Provides coverage for your purchases for 90 days from the date of purchase when you charge any portion of the price of the purchase to your American Express card, up to $10,000 for any one incident and up to $50,000 during a calendar year. Benefit does not include shipping, installation, profesional advice, maintenace or other service charges.

To file a claim within 30 days of loss call 1-800-322-1277 or if overseas call collect 1-303-273-6498

Limitations: war or any act of 1) war, 2) any activity related to military force or any nation state recognized by the UN, 3) participation in a riot, civil disturbance or protest 4) violation of criminal law 5) natural disasters, including hurricanes, floods, tornadoes, earthquakes 6) fraud or abuse or illegal activity 7) confiscation by a government/customs 8)negligent failure of a duty to care by any third party in whose possession the item was placed 9) not being reasonably safeguarded by you 10) theft from baggage not carried by hand and under supervision by you 11) damage through alteration 12) normal wear and tear, product defect 13) damage or theft while under the care and control of a common carrier 14) food spoilage 15) leaving property at an unoccupied construction site 16) purchases lost or misplaced.

Items not eligible: travelers checks, giftcards, tickets, animals or living plants, rare stamps and coins, consumable or perishable items with limited life spans (perfume, lightbulbs), antiques or previously owned items, motorized vehicles, watercraft, aircraft, lost or stolen property, permanent household fixtures like carpeting and flooring, buiness fixtures, hospital or medical equipment.

Return Protection: Offers you guaranteed product satisfaction on designated items purchased entirely with an eligible American Express Card. If you try to take it back to the merchant and they won’t take it, American Express will refund the full purchase price, up to $300 per item, excluding shipping and handling up to a maximum of $1,000 per year.

To process a return, call 1-800-297-8019 within 90 days of purchase date.

Limitations: Purchases must be made in the United States and charged in full on your card. Refunds will not be paid if your account is past due or you cancel your card. The item must be “like new” (not visibly used or worn). The maximum you will be reimbursed will not exceed suggested retail price and any rebates/coupons will be taken out of the payment.

Items not eligible: animals and living plants, one-of-a-kind items (like antiques, furs), limited edition items, going-out-of-business sale items, consumable or perishable items with limited life spans (such as perfume, light bulbs), jewelry, watches, precious coins, used/refurbished/rebuilt itens, maps, books, software, cellular phones, CDs, health care items, formal wear, tickets, motorized vehicles, land/buildings, firearms, cash and its equivalent and items permanently affixed to your home like garage door openers and car alarms).

Extended Warranty: Charge your covered purchases that have a valid U.S. manufacturer’s warranty of 5 years or less to the Card Extend Your Warranty.  Extended Warranty will extend the terms of the original U.S. manufacturer’s warranty for up to one additional year on eligible purchases with warranties of 5 years or less, when the purchase is charged to the Card.

How to file a claim: 1-800-225-3750

What you need: original receipt, original warranty information, Amex statement and the damaged product. (Though many people report not having to provide any of this information or even send in the broken product).

Limits: Coverage is available for eligible items up to the amount charged to the Card, up to $10,000 (not to exceed $50,000 per Cardmember account per policy year).
Eligibility: The basic Cardmember and any Additional Cardmembers on the account are eligible as long as they are U.S. Resident Cardmembers, that is, the American Express Card has been issued to them in their name, and they maintain a permanent residence within the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Virgin Islands.

Do you have to send back the damaged item? “Please keep all items. After we have determined your item is eligible under the Extended Warranty we may ask you to return the item to American Express before we replace the item. If upon receipt a decision is made to reimburse you instead, you will then receive a refund for the item.”

Premier Rewards Gold Card from American Express

With some great bonus categories and an annual fee that’s waived for the first year, the American Express Premier Rewards Gold Card has a lot going for it. If you don’t have PRG, now’s as good a time as any to add it to your wallet, as Amex added some great new benefits several months back.

Apply Now
More Things to Know
  • Receive 25,000 Membership Rewards® Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply.
  • No matter where you're traveling, when you use your Premier Rewards Gold Card there are no foreign transaction fees from American Express.
  • $100 Airline Fee Credit. Up to $100 a year in baggage fees and more at one airline.
  • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, if available with The Hotel Collection at Terms apply.
  • There is a $0 introductory annual fee for the first year, then $195.
  • Terms and limitations apply. See Rates & Fees
Intro APR on Purchases
Regular APR
Annual Fee
Introductory annual fee of $0 for the first year, then $195.
Balance Transfer Fee
See Terms
Recommended Credit
Excellent Credit

Editorial Disclaimer: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.