Your complete guide to shopping protections on American Express cards

Jun 4, 2022

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Numerous American Express cards offer shopping protections that can protect your purchases and the money you spent on them. Coverage terms and limits vary by card. Rather than trying to remember all of this on your own, today we will guide you through the various shopping protections offered by American Express cards.

This guide will provide a comprehensive, detailed look at the variety of shopping protections offered across the American Express card portfolio. Each section outlines a type of coverage and then the cards offering this coverage. Coverage limits will be included, as well.

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In This Post

Cellphone protection

(Image by Irina Dobrolyubova/Getty Images)

Smartphones aren’t cheap. Cellphone protection provides coverage for a stolen or damaged phone. Note that cosmetic damage and phones that are lost (even during shipping) are not covered.

All Amex cards with this benefit provide the same level of protection. If your phone is damaged or stolen, there is a maximum of $800 liability per claim. Each claim is subject to a $50 deductible, and coverage is limited to two claims per eligible account in a 12-month period. Covered phones are restricted to cellphone lines listed on a mobile phone plan paid with the eligible card during the most recent billing period.*

Here are the cards that include this protection:

*Eligibility and benefit levels vary by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.

Extended warranty

(Photo by Michael H/Getty Images)

When you use your eligible card to purchase items that come with a manufacturer’s warranty, extended warranty protection can add up to one extra year to this warranty. Coverage applies to warranties of five years or less.

All Amex cards with this benefit provide the same level of protection. The extended warranty coverage is up to the actual amount charged to your card for the item, with a maximum of $10,000. There is an annual limit of $50,000 per card member account in a calendar year.*

Here are the cards that include this protection when you use them to purchase travel:

*Eligibility and benefit levels vary by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.

The information for the Hilton Aspire, Amazon Business, Amazon Business Prime and Lowe’s Business Rewards cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Return protection

(Photo by Neustockimages/Getty Images)

Have you ever tried to return an item and the store or seller wouldn’t take it back? In these instances, you can return eligible purchases to American Express for up to 90 days from the date of purchase.

With return protection, American Express may refund the full purchase price (excluding shipping and handling) up to $300 per item and up to a maximum of $1,000 per calendar year per card account. To be eligible, you must pay for the entirety of the item with your eligible American Express card, and purchases must be made in the U.S. or its territories.*

Here are the cards that provide return protection when using them for purchases:

*Eligibility and benefit levels vary by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details.

The information for the Business Centurion card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Purchase protection

(Photo by Eva-Katalin/Getty Images)

While the return protection allows you to return items, purchase protection is for items you want to keep but which have been accidentally damaged, stolen or lost during a period extending for up to 90 days from the purchase date. Purchase protection is an embedded card benefit and does not require enrollment.

With this coverage, there are two different “levels” of coverage, depending on the card you carry.

Level 1: Higher-end cards

Cards at this level offer coverage with a limit up to $10,000 per occurrence and up to $50,000 per card member account per calendar year.*

The following cards provide this benefit:

Level 2: Mid-tier cards

Other American Express cards offer purchase protection with a limit of up to $1,000 per occurrence and up to $50,000 per card member account per calendar year.*

Here are the cards that include this protection when you use them to pay for your items:

*Eligibility and benefit levels vary by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.

Bottom line

Photo shows a green wall of leaves and plants with the American Express logo on it
(Photo by Chris Dong/The Points Guy)

Understanding the shopping and purchasing benefits of your card will help you know what to do in the event something goes wrong. American Express provides multiple shopping protections across its family of cards, providing protection for items you want to keep and those you want to return.

Coverage limits within the same benefit can vary by which card you have, so consult your card’s detailed benefits at americanexpress.com/benefitsguide for full details.

Featured photo by Innocenti/Getty Images.

Citi Premier® Card

This card offers a 80,000-point bonus after spending $4,000 in the first three months. Plus, earn 3 ThankYou points per $1 at gas stations, restaurants, supermarkets and on air travel and hotels. 1 ThankYou point per $1 on all other purchases.

Apply Now
More Things to Know
  • For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
Regular APR
18.24% - 26.24% (Variable)
Annual Fee
$95
Balance Transfer Fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Recommended Credit
Excellent, Good

Editorial Disclaimer: Opinions expressed here are the 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.