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$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 its original packaging/labels are still attached.
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.
« Last edited by mmgfarb on December 25, 2016, 10:30:18 PM »

Author Topic: AMEX Return Protection: Did They Make You Return The Item?  (Read 397243 times)

Offline noturbizniss

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #3045 on: June 12, 2018, 12:06:10 AM »
IIRC the T&C's exclude going out of business sales.
Correct. Explicitly listed as an exclusion
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Offline puddles

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #3046 on: June 12, 2018, 09:10:03 AM »
IIRC the T&C's exclude going out of business sales.
Correct, I bought something a few weeks ago from Toys R Us and it was broken right out of the box. Amex denied coverage.

Offline smart man

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #3047 on: June 12, 2018, 10:30:46 AM »
Correct, I bought something a few weeks ago from Toys R Us and it was broken right out of the box. Amex denied coverage.
Did you try disputing?
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Offline mrprez27

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #3048 on: June 19, 2018, 01:06:13 PM »
I notice the ebay sale details I send in to Amex don't even say if the item is new or not. So I am tempted to give it a try. I think it would work. Unless they take your info and look up the item on ebay some way. I have never sent the screen shot of the actual item, just the details from the sale, afterwards and they have always been approved.
may be a bit iffy on the ethics ;) ;) ;) ;) ;) though not sure unless I guess its really against the T&C

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #3049 on: June 26, 2018, 12:10:02 AM »
Does return protection work on "Last Chance" items, where there was a no return policy?

Also, do they make you send back the item, if it is clothing?

Offline noturbizniss

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #3050 on: June 26, 2018, 07:02:46 AM »
Does return protection work on "Last Chance" items, where there was a no return policy?

Also, do they make you send back the item, if it is clothing?
What exactly is a last chance? If the store is going out of business, it is not covered. Otherwise, assuming the item itself is not excluded it should be.
Did you read the terms and conditions?
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Offline FlyingBoat

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #3051 on: July 05, 2018, 01:16:06 AM »
How about when a store gives back points on the receipt?

For example, something bought from Sears which gives SYWR, would they deduct the rewards? (they have some items with 100% back in points).
The T&C say "Product rebates, discounts or money received from lowest price comparison programs will be deducted from the original cost of the item". So that makes me think perhaps they would subtract it, particularly if it is shown on the receipt. I recently bought a grill for $300 and Sears gives $300 back in points, but split into 12 monthly payments that I may never see or have that much value.

How about when Sears throws in, for example $40 in free cash on purchase, and they show the item as $200 but then show $40 paid with this free cash, and $160 then charged to Amex. Would Amex give the $160 back or would they deny it because it wasn't completely bought with the Amex card?

Offline PillanSmye

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #3052 on: July 07, 2018, 02:15:30 PM »
How about when a store gives back points on the receipt?

For example, something bought from Sears which gives SYWR, would they deduct the rewards? (they have some items with 100% back in points).
The T&C say "Product rebates, discounts or money received from lowest price comparison programs will be deducted from the original cost of the item". So that makes me think perhaps they would subtract it, particularly if it is shown on the receipt. I recently bought a grill for $300 and Sears gives $300 back in points, but split into 12 monthly payments that I may never see or have that much value.

How about when Sears throws in, for example $40 in free cash on purchase, and they show the item as $200 but then show $40 paid with this free cash, and $160 then charged to Amex. Would Amex give the $160 back or would they deny it because it wasn't completely bought with the Amex card?

160

Offline FlyingBoat

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #3053 on: July 08, 2018, 02:14:23 PM »
160

FWIW, I called and asked, and after checking with supervisor, they told me it wouldn't be covered because it wasn't bought completely with Amex card. She did say, though, to go ahead and make a claim because you never know and it may be accepted, lol.

Do you have experience getting it covered when paying part of it with store points?

Offline noturbizniss

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #3054 on: July 08, 2018, 05:27:32 PM »
FWIW, I called and asked, and after checking with supervisor, they told me it wouldn't be covered because it wasn't bought completely with Amex card. She did say, though, to go ahead and make a claim because you never know and it may be accepted, lol.

Do you have experience getting it covered when paying part of it with store points?
Was the cash earned prior to the purchase or in the purchase?
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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #3055 on: July 11, 2018, 11:14:36 AM »
Is there a difference which Amex used for Purchase protection? SPg Vs Plat Business Vs AU?
(Any of the Chase cards offer better protection?)

Online Lou Bob

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #3056 on: July 11, 2018, 11:16:27 AM »
Is there a difference which Amex used for Purchase protection? SPg Vs Plat Business Vs AU?
(Any of the Chase cards offer better protection?)
no difference.
Amex is a whole lot easier to deal with.
Always use an Amex, you'll thank me one day.

Online yitzyul

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #3057 on: July 11, 2018, 11:20:20 AM »
no difference.
Amex is a whole lot easier to deal with.
TY

Offline FlyingBoat

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #3058 on: July 23, 2018, 03:38:37 PM »
I've used it for things purchased internationally. Never had an issue.

Great to know. I was wondering if it would work for things purchased on Ebay shipped from China, or even Aliexpress. Seems like it would work. When they say purchased in the US, ya, I purchased in the US from my computer. The company might have been in China.

I imagine Warranty coverage would be a different story, since it extends US Warranty. If item doesn't have a US Warranty, I imagine it wouldn't be covered for that.

Offline FlyingBoat

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #3059 on: July 23, 2018, 04:05:02 PM »
Was the cash earned prior to the purchase or in the purchase?

In my case I had asked Amex about the example of $200 item paid $40 with free points from Sears, and they said it wouldn't be covered.

You are asking about whether the points were earned prior or in the purchase. They didn't exist prior to the purchase, they are free points given to you in the purchase to apply to that purchase. So it is really more like a discount. They charge you $200 for an item and they give you $40 in free points to apply to the purchase. So the invoice shows $200 item, $40 paid with points and $160 with the Amex card.