Topic Wiki

[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 1158137 times)

Offline geewitz71

  • DansDeals Copper Elite
  • *
  • Join Date: Dec 2013
  • Posts: 22
  • Total likes: 1
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: USA
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #3040 on: June 06, 2018, 04:34:48 PM »
Does any one know ebay items with condition - "New (other)" is eligible for return protection?

Offline noturbizniss

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2012
  • Posts: 7116
  • Total likes: 140
  • DansDeals.com Hat Tips 4
  • Gender: Male
    • View Profile
  • Location: North Jersey
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #3041 on: June 06, 2018, 11:14:25 PM »
Does any one know ebay items with condition - "New (other)" is eligible for return protection?
Probably depends on the claim examiner and what exactly new other means for that item.
READ THE DARN WIKI!!!!

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

Offline FlyingBoat

  • Dansdeals Gold Elite
  • ***
  • Join Date: Feb 2015
  • Posts: 107
  • Total likes: 16
  • DansDeals.com Hat Tips 0
    • View Profile
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #3042 on: June 08, 2018, 03:51:18 PM »
Does any one know ebay items with condition - "New (other)" is eligible for return protection?

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.

Offline dealfinder85

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Feb 2013
  • Posts: 3544
  • Total likes: 9
  • DansDeals.com Hat Tips 4
    • View Profile
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #3043 on: June 11, 2018, 05:29:06 PM »
I can go into Toys r us and buy what I want and I have protection, up to 300/item and 1k/card?

Offline mmgfarb

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2015
  • Posts: 8355
  • Total likes: 1110
  • DansDeals.com Hat Tips 4
    • View Profile
Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #3044 on: June 11, 2018, 05:48:44 PM »
I can go into Toys r us and buy what I want and I have protection, up to 300/item and 1k/card?
IIRC the T&C's exclude going out of business sales.
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline noturbizniss

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2012
  • Posts: 7116
  • Total likes: 140
  • DansDeals.com Hat Tips 4
  • Gender: Male
    • View Profile
  • Location: North Jersey
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
READ THE DARN WIKI!!!!

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

Offline puddles

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Aug 2010
  • Posts: 1100
  • Total likes: 27
  • DansDeals.com Hat Tips 2
    • View Profile
  • Location: Five Towns
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

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Sep 2016
  • Posts: 289
  • Total likes: 83
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Lakewood
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?

Offline mrprez27

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Sep 2015
  • Posts: 541
  • Total likes: 16
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Nassau County
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

Offline motec bb

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Aug 2015
  • Posts: 323
  • Total likes: 30
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: My Car
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

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2012
  • Posts: 7116
  • Total likes: 140
  • DansDeals.com Hat Tips 4
  • Gender: Male
    • View Profile
  • Location: North Jersey
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?
READ THE DARN WIKI!!!!

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

Offline FlyingBoat

  • Dansdeals Gold Elite
  • ***
  • Join Date: Feb 2015
  • Posts: 107
  • Total likes: 16
  • DansDeals.com Hat Tips 0
    • View Profile
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

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Aug 2015
  • Posts: 1028
  • Total likes: 68
  • DansDeals.com Hat Tips 1
    • View Profile
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

  • Dansdeals Gold Elite
  • ***
  • Join Date: Feb 2015
  • Posts: 107
  • Total likes: 16
  • DansDeals.com Hat Tips 0
    • View Profile
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

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2012
  • Posts: 7116
  • Total likes: 140
  • DansDeals.com Hat Tips 4
  • Gender: Male
    • View Profile
  • Location: North Jersey
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?
READ THE DARN WIKI!!!!

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

Offline yitzyul

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Jul 2011
  • Posts: 2969
  • Total likes: 140
  • DansDeals.com Hat Tips 70
    • View Profile
  • Location: Monsey
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?)

Offline Lou Bob

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Apr 2010
  • Posts: 2036
  • Total likes: 153
  • DansDeals.com Hat Tips 3
    • View Profile
  • Location: Hidden City
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.

Offline yitzyul

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Jul 2011
  • Posts: 2969
  • Total likes: 140
  • DansDeals.com Hat Tips 70
    • View Profile
  • Location: Monsey
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

  • Dansdeals Gold Elite
  • ***
  • Join Date: Feb 2015
  • Posts: 107
  • Total likes: 16
  • DansDeals.com Hat Tips 0
    • View Profile
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

  • Dansdeals Gold Elite
  • ***
  • Join Date: Feb 2015
  • Posts: 107
  • Total likes: 16
  • DansDeals.com Hat Tips 0
    • View Profile
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.