Editorial note: This is a recurring post, regularly updated with new information. Some cards mentioned below are no longer available.
Quick summary
- The article outlines the main shopping protections available on a range of cards, including cellphone, extended warranty, return and purchase protections.
- Coverage limits and eligibility requirements differ by card and by type of benefit, with some offering higher maximums for claims.
- Cellphone protection typically covers theft or damage (not loss or cosmetic damage), with set claim limits and deductibles.
- Extended warranty, return protection and purchase protection each have specific coverage caps, annual limits and exclusions.
What to consider
- Coverage for each protection type varies by card, so reviewing your card’s specific benefits is essential.
- Cellphone protection requires the phone line to be on a plan paid with the eligible card during the most recent billing period and is subject to a per-claim deductible and annual claim limit.
- Return and purchase protections exclude certain items and have annual and per-item or per-claim caps; terms and conditions apply.
What you'll miss from the article
- A detailed breakdown of which protections are available on which cards and the specific coverage limits for each benefit.
