Topic Wiki

$300 per item, 1K per card per year. So if you have an SPG card and a PRG card you'll only have 2k of total RP coverage, regardless of how many AUs you have on each card.

If you are unsure if an item qualifies for RP, then instead of asking for opinions here (slightly better than asking medical advice on facebook mind you), PUTPAC and ask the RP reps. You don't need to give your name or card info, just say you have an item or you will be buying an item and the store has a crappy return policy and want to make sure if there is a problem you can return it.


Direct number: 1800-225-3750

Link to Claims Center: https://www295.americanexpress.com/onlineclaim/

or
Return Protection:  www.americanexpress.com/return This is for when, in the first 3 months, the original seller won't accept a return, and the product is still in new condition.
Purchase Protection:  www.americanexpress.com/purchase This is for when, in the first 3 months, a purchase is lost, stolen, or broken.
Extended Warranty: www.americanexpress.com/warranty This covers only what the original warranty covers and extends it for up to 1 year.

Amex can approve RP claims even after the card is closed/cancelled, though YMMV.

CLICK HERE to see the full T&C for the Return Protection on your specific Amex card.

Author Topic: AMEX Return Protection: Did They Make You Return The Item?  (Read 460588 times)

Offline talkitup90

  • Dansdeals Gold Elite
  • ***
  • Join Date: Jan 2015
  • Posts: 232
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #1695 on: May 04, 2015, 03:35:03 PM »

i see some people are doing items larger than the $300 limit.  So what happens when your item is for example $500?  Do you send in the item and they give you $300?

Would love to know this as well.

Offline benjie1305

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2013
  • Posts: 6144
  • Total likes: 11
  • DansDeals.com Hat Tips 15
  • Gender: Male
    • View Profile
  • Location: NY Area
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #1696 on: May 04, 2015, 03:38:50 PM »
It says "up to $300 per item". I am not sure that it would be eligible/that they would give you anything at all if you made a claim for something more expensive. Then again, they might not always act on those rules..
Work hard, Play harder!

Offline etech0

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2013
  • Posts: 9361
  • Total likes: 298
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: not lakewood
  • Programs: DDF
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #1697 on: May 04, 2015, 03:40:42 PM »
Just bought a laptop for $520 with no returns, If they don't take it back and amex asks for it back (I know that they only cover $300) Then what happens? Am I out $220?
yes. max they would reimburse is $300
Workflowy. You won't know what you're missing until you try it.

Offline solls108

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jun 2014
  • Posts: 1150
  • Total likes: 5
  • DansDeals.com Hat Tips 2
    • View Profile
  • Location: NYC
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #1698 on: May 04, 2015, 04:00:33 PM »
Cole Haan for $106, no need to return

Offline talkitup90

  • Dansdeals Gold Elite
  • ***
  • Join Date: Jan 2015
  • Posts: 232
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #1699 on: May 04, 2015, 04:15:51 PM »

Cole Haan for $106, no need to return

Shoes?

Offline talkitup90

  • Dansdeals Gold Elite
  • ***
  • Join Date: Jan 2015
  • Posts: 232
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #1700 on: May 04, 2015, 04:16:35 PM »
So if you use RP on a $350 item and they ask for it back, can you decide you don't want to send it to them and lose $50?

Offline Emkay

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Dec 2012
  • Posts: 14351
  • Total likes: 342
  • DansDeals.com Hat Tips 34
    • View Profile
  • Location: Where I ought to be
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #1701 on: May 04, 2015, 04:23:26 PM »
So if you use RP on a $350 item and they ask for it back, can you decide you don't want to send it to them and lose $50?
of course but they will take the credit back

Offline noturbizniss

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2012
  • Posts: 7202
  • Total likes: 106
  • DansDeals.com Hat Tips 4
  • Gender: Male
    • View Profile
  • Location: North Jersey
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #1702 on: May 04, 2015, 11:19:17 PM »
The idea is that you don't want it anyway and can't sell it to make your money. So at least you have 300 back. You gotta remember the point is not to get free stuff it's when you don't want something and just want the money back and have no other way to get it.
READ THE DARN WIKI!!!!

Chuck Norris...
...can still do FT method
...READS THE WIKI!!!

Offline iceberg11

  • DansDeals Copper Elite
  • *
  • Join Date: May 2013
  • Posts: 3
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: NJ
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #1703 on: May 05, 2015, 09:48:33 AM »
Thanks for the responses.  So ideally, you'll use this on stuff under $400 for stores that don't offer 90 day returns so you don't lose too much when doing a forced return.

Offline aryeh1

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Jan 2011
  • Posts: 4160
  • Total likes: 7
  • DansDeals.com Hat Tips 2
    • View Profile
  • Location: DDF
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #1704 on: May 08, 2015, 10:34:15 AM »
sent my receipt 10 days ago and they received it, is it supposed to be this long for a decision?

Offline noturbizniss

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2012
  • Posts: 7202
  • Total likes: 106
  • DansDeals.com Hat Tips 4
  • Gender: Male
    • View Profile
  • Location: North Jersey
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #1705 on: May 08, 2015, 03:00:14 PM »
sent my receipt 10 days ago and they received it, is it supposed to be this long for a decision?
yes.  I submitted a receipt on 4/23 and just got the claim approved this morning, 2 weeks and 2 days.
READ THE DARN WIKI!!!!

Chuck Norris...
...can still do FT method
...READS THE WIKI!!!

Offline talkitup90

  • Dansdeals Gold Elite
  • ***
  • Join Date: Jan 2015
  • Posts: 232
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #1706 on: May 08, 2015, 03:16:53 PM »

yes.  I submitted a receipt on 4/23 and just got the claim approved this morning, 2 weeks and 2 days.

Over $100?

Offline noturbizniss

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2012
  • Posts: 7202
  • Total likes: 106
  • DansDeals.com Hat Tips 4
  • Gender: Male
    • View Profile
  • Location: North Jersey
READ THE DARN WIKI!!!!

Chuck Norris...
...can still do FT method
...READS THE WIKI!!!

Offline ah8586

  • DansDeals Copper Elite
  • *
  • Join Date: Jan 2014
  • Posts: 12
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: NJ
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #1708 on: May 10, 2015, 03:45:08 AM »
on dans post in 2012 it says that even if you cancel a card you will still be able to make a claim if you have other open cards.

i closed my platinum card and submitted a claim - they denied it becausde the card is closed, but i have other open cards (spg etc).

in their policy it says
"d. A refund will not be paid
if, on the date we receive your Return Protection request any amount on your eligible Card
account is past due for one or more billing cycle(s) or your Card is canceled. "

so whats the deal. has the policy changed since Dan wrote the post? do i call back and say i have other cards open?

Offline yitrap

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Apr 2014
  • Posts: 3317
  • Total likes: 49
  • DansDeals.com Hat Tips 1
  • Gender: Male
    • View Profile
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #1709 on: May 10, 2015, 05:14:20 AM »

on dans post in 2012 it says that even if you cancel a card you will still be able to make a claim if you have other open cards.

i closed my platinum card and submitted a claim - they denied it becausde the card is closed, but i have other open cards (spg etc).

in their policy it says
"d. A refund will not be paid
if, on the date we receive your Return Protection request any amount on your eligible Card
account is past due for one or more billing cycle(s) or your Card is canceled. "

so whats the deal. has the policy changed since Dan wrote the post? do i call back and say i have other cards open?

It's possible that it's been changed since then, check when it was revised. I would still HUCA a couple times.