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[Updated With More Changes] Major Changes Are Coming For American Express Benefits! Master Chart Of What’s Being Added And Removed - https://www.dansdeals.com/credit-cards/major-changes-coming-american-express-benefits-master-chart-whats-added-removed/


$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: 800-225-3750

Link to Claims Center: https://online.americanexpress.com/myca/onlineclaims/us/onlineclaims.do?request_type=authreg_onlineclaims&intlink=us-ser-onlineclaims-welcome-claimscenter
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 1187351 times)

Offline hide4

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #1940 on: December 02, 2015, 02:44:14 PM »
But using your logic...if a store offered free shipping for purchases above 'x' dollars, that item shouldnt be claimable with amex since the shipping costs were not charged on the amex card
The whole purchase was paid with amex they just didn't charge for the shipping. :P

Offline yitzy93

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #1941 on: December 02, 2015, 04:54:10 PM »
Does Amex Purchase Protection cover purchases made in foreign countries? (online from China)

Offline rileywiles23

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #1942 on: December 02, 2015, 08:24:44 PM »
$300 camera, did not have to return the item.
Life is as good as you make it...

Offline hide4

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #1943 on: December 03, 2015, 02:38:02 PM »
$300 camera, did not have to return the item.
nice! ;D

Offline Amusch

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #1944 on: December 07, 2015, 12:44:15 PM »
$293 laptop (Door #1 from the laptop thread  ;)), did not request item.
Happy Chanukah from American Express!!!

In addition to the $200 Banana Republic snafu this past summer, that's around $500 this year courtesy of my $95 SPG Amex card.
Thanks to all of you have taught me about this credit card value and made it so easy and wonderful!

Offline elibeli2

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #1945 on: December 07, 2015, 02:21:50 PM »
Does anyone know if using this perk of return protection will have any negative affect on your account?

Like a FR?
Or future declines on apps?

Offline benjie1305

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #1946 on: December 07, 2015, 02:26:12 PM »
Does anyone know if using this perk of return protection will have any negative affect on your account?

Like a FR?
Or future declines on apps?

Its a perk the CC Company offers. You are suggesting they punish you for using its services.
Work hard, Play harder!

Offline elibeli2

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #1947 on: December 07, 2015, 02:28:33 PM »
Its a perk the CC Company offers. You are suggesting they punish you for using its services.

No, I was suggesting maybe they punish you for ABUSING their services. Like maxing out $1000 on each card?

Offline mechayamom

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #1948 on: December 08, 2015, 12:11:44 AM »
79 dollar suitcase damaged on return flight from hawaii
Didnt even ask for pix. Credited directly to my everyday card

Offline CS91

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #1949 on: December 08, 2015, 12:44:57 AM »
No, I was suggesting maybe they punish you for ABUSING their services. Like maxing out $1000 on each card?
If they're legitimate claims, I wouldn't consider that abusing. If they're fraudulent, then that's a whole different story.

Offline yitzy93

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #1950 on: December 08, 2015, 07:15:50 AM »
79 dollar suitcase damaged on return flight from hawaii
Didnt even ask for pix. Credited directly to my everyday card
You booked tix with Amex cc? What made you entitled to reimbursement?

Offline Emkay

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #1951 on: December 08, 2015, 07:19:45 AM »
You booked tix with Amex cc? What made you entitled to reimbursement?
Or bought the suitcase with the card

Offline Emkay

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #1952 on: December 08, 2015, 07:21:07 AM »
Does anyone know if using this perk of return protection will have any negative affect on your account?

Like a FR?
Or future declines on apps?
Noone can tell you their algorithm. And when you figure it out they will switch it

Offline pixi

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #1953 on: December 08, 2015, 11:18:43 AM »
If I'll submit a RP claim this month  but the they'll credit me next month will it count towards the $1000 limit per year for 2016?
money doesn't talk......      it SCREAMS !

Offline Buruch

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #1954 on: December 08, 2015, 11:23:18 AM »
Goes by year of purchase.

Offline E-MAN

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #1955 on: December 08, 2015, 01:00:10 PM »
Submitted $20 claim and they asked for itemized receipt. How long from faxing in receipt until claim is settled?
My Previous claims were settled within 48 hours without asking for receipt.

Offline benjie1305

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #1956 on: December 08, 2015, 01:00:28 PM »
Submitted $20 claim and they asked for itemized receipt. How long from faxing in receipt until claim is settled?
My Previous claims were settled within 48 hours without asking for receipt.

Can be a few days.
Work hard, Play harder!

Offline pixi

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #1957 on: December 08, 2015, 01:03:26 PM »
money doesn't talk......      it SCREAMS !

Offline d234

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #1958 on: December 09, 2015, 09:13:53 PM »
HI i bought an 1100 jacket from saks (sale from 2750).   after 2 days the zipper broke.  Saks refuses to allow me to return it.  Thing is i just want them to pay to repair it (145$) as they are sold out of this item everywhere.  I bough this on my amex...any idea how amex can help me? (as i dont want to give them the jacket either)
Thanks

Offline WAM

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #1959 on: December 10, 2015, 01:38:23 AM »
HI i bought an 1100 jacket from saks (sale from 2750).   after 2 days the zipper broke.  Saks refuses to allow me to return it.  Thing is i just want them to pay to repair it (145$) as they are sold out of this item everywhere.  I bough this on my amex...any idea how amex can help me? (as i dont want to give them the jacket either)
Thanks
I think that would fall under purchase protection, CMIIW. Different rules there. Click here for the purchase protection T&C's.

ETA: I mean in addition to RP. I skimmed through the T&C on the SPG card; it does't look like they will ask you for the item on a PP claim. In addition, PP has a higher threshold for reimbursement.
« Last Edit: December 10, 2015, 01:43:57 AM by WAM »