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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: 1800-225-3750

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 574536 times)

Offline chucksterace

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #3390 on: December 24, 2019, 06:44:42 PM »
For cards that Return Protection is going away, do purchases before Jan 1st, that will be filed after count? Or does claim need to be done before January 1st.
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Offline noturbizniss

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #3391 on: December 24, 2019, 06:48:52 PM »
For cards that Return Protection is going away, do purchases before Jan 1st, that will be filed after count? Or does claim need to be done before January 1st.

according to the above artice it seems like I'd still be able to file a RP claim on items purchased before 01/20

Can anyone confirm if that correct?


Correct as far as we know
To require filing before 1/1 would violate current terms.
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Offline CtownBin

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #3392 on: December 25, 2019, 12:08:30 PM »
Hi all,

So, I recently bought a cell phone at Best Buy on my AMEX (S8). Decided it wasn't the right phone for me and went to return it 14 days later, within their return window. They wouldn't accept my return however, because they said it had a scratch on the back and was now considered a damaged item, and they don't accept damaged items for return. I could barely see any scratch, but they said it was big enough to make the item damaged and it must have been accidentally damaged when it was in my possession.

So my question is- does this case fall under return protection, or purchase protection? On the one hand it is damaged, so it's purchase protection. Even though the phone still works, the way I see it- if the store I bought it at considers this regular damage, enough to deny a return based on it, then it should be considered damaged. On the other hand, they wouldn't take the return which is the criteria for return protection.

If possible, I would rather it be under purchase protection, since the purchase was over $300 but under $1,000 (it was about $500) so it would be fully covered under purchase protection but not return protection. How would I go about filing a claim for such a case? Just tell them it has a scratch and is now damaged? Should I even mention that I tried to return it and Best Buy wouldn't accept it due to this scratch? What is the likely outcome here- will they pay the cost of repair- and if so, do I actually need to do the repair? Any chance they will just reimburse the purchase? This is obviously the desired outcome for me, even if I have to send them back the phone.

Any help would be appreciated- I am new to return and purchase protection, and this seemed like a grey area kind of case. Thanks!

Offline pointer

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #3393 on: December 25, 2019, 02:04:14 PM »
Can confirm, recently had a return where the tax pushed the item over $300. It was a partial reimbursement of the cost, capped at $300.
Confirming as well that RP is up to $300 max, including tax.

Does anyone have any other DP?

Offline yeshivabucher

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #3394 on: December 25, 2019, 02:05:08 PM »
Confirming as well that RP is up to $300 max, including tax.

Does anyone have any other DP?
maxed out at 300

Offline noturbizniss

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #3395 on: December 25, 2019, 02:05:38 PM »
Hi all,

So, I recently bought a cell phone at Best Buy on my AMEX (S8). Decided it wasn't the right phone for me and went to return it 14 days later, within their return window. They wouldn't accept my return however, because they said it had a scratch on the back and was now considered a damaged item, and they don't accept damaged items for return. I could barely see any scratch, but they said it was big enough to make the item damaged and it must have been accidentally damaged when it was in my possession.

So my question is- does this case fall under return protection, or purchase protection? On the one hand it is damaged, so it's purchase protection. Even though the phone still works, the way I see it- if the store I bought it at considers this regular damage, enough to deny a return based on it, then it should be considered damaged. On the other hand, they wouldn't take the return which is the criteria for return protection.

If possible, I would rather it be under purchase protection, since the purchase was over $300 but under $1,000 (it was about $500) so it would be fully covered under purchase protection but not return protection. How would I go about filing a claim for such a case? Just tell them it has a scratch and is now damaged? Should I even mention that I tried to return it and Best Buy wouldn't accept it due to this scratch? What is the likely outcome here- will they pay the cost of repair- and if so, do I actually need to do the repair? Any chance they will just reimburse the purchase? This is obviously the desired outcome for me, even if I have to send them back the phone.

Any help would be appreciated- I am new to return and purchase protection, and this seemed like a grey area kind of case. Thanks!
It would be purchase protection however amex will probably want a repair estimate...
Amex terms say item must be new condition. Not sure if it is since it's damaged
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Offline CtownBin

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #3396 on: December 25, 2019, 02:11:44 PM »
It would be purchase protection however amex will probably want a repair estimate...
Amex terms say item must be new condition. Not sure if it is since it's damaged
What do you mean, new condition? Isn't the point of purchase protection for items that are damaged? In any event, besides the scratch (which at first I couldn't even see), it is brand new condition.

Offline noturbizniss

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #3397 on: December 25, 2019, 02:29:58 PM »
What do you mean, new condition? Isn't the point of purchase protection for items that are damaged? In any event, besides the scratch (which at first I couldn't even see), it is brand new condition.
I meant return protection terms
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Offline danfan5773

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #3398 on: December 25, 2019, 03:47:31 PM »
Hi all,

So, I recently bought a cell phone at Best Buy on my AMEX (S8). Decided it wasn't the right phone for me and went to return it 14 days later, within their return window. They wouldn't accept my return however, because they said it had a scratch on the back and was now considered a damaged item, and they don't accept damaged items for return. I could barely see any scratch, but they said it was big enough to make the item damaged and it must have been accidentally damaged when it was in my possession.

So my question is- does this case fall under return protection, or purchase protection? On the one hand it is damaged, so it's purchase protection. Even though the phone still works, the way I see it- if the store I bought it at considers this regular damage, enough to deny a return based on it, then it should be considered damaged. On the other hand, they wouldn't take the return which is the criteria for return protection.



If possible, I would rather it be under purchase protection, since the purchase was over $300 but under $1,000 (it was about $500) so it would be fully covered under purchase protection but not return protection. How would I go about filing a claim for such a case? Just tell them it has a scratch and is now damaged? Should I even mention that I tried to return it and Best Buy wouldn't accept it due to this scratch? What is the likely outcome here- will they pay the cost of repair- and if so, do I actually need to do the repair? Any chance they will just reimburse the purchase? This is obviously the desired outcome for me, even if I have to send them back the phone.

Any help would be appreciated- I am new to return and purchase protection, and this seemed like a grey area kind of case. Thanks!


Afaik if the item is only a cosmetic damage Amex will deny your claim.

Offline CtownBin

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #3399 on: December 26, 2019, 04:08:10 AM »

Afaik if the item is only a cosmetic damage Amex will deny your claim.
Interesting. So... for return protection it needs to be undamaged, and for purchase protection it needs to be damaged, and in my case the phone is... neither? Too damaged for return protection but not damaged enough for purchase protection? So I'm stuck?

Offline efflpetzel

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #3400 on: December 30, 2019, 03:18:15 PM »
Interesting. So... for return protection it needs to be undamaged, and for purchase protection it needs to be damaged, and in my case the phone is... neither? Too damaged for return protection but not damaged enough for purchase protection? So I'm stuck?
Id file a claim under purchase protection

Offline noturbizniss

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #3401 on: December 30, 2019, 03:22:36 PM »
Anyone have experience filing a claim on closed card/account? Terms don't say anything about it. Both pp and warranty say payment is contingent in the account being "current and in good standing". Rp has no such clause.
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Offline efflpetzel

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #3402 on: December 30, 2019, 03:38:21 PM »
Regarding the $1000 per year claim limit on each card account,

does that year go per purchase date or claim date

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #3403 on: December 31, 2019, 01:27:31 PM »
Anyone have experience filing a claim on closed card/account? Terms don't say anything about it. Both pp and warranty say payment is contingent in the account being "current and in good standing". Rp has no such clause.
I think they specifically removed that in order to allow for return protection on closed accounts. Remember reading that on one of my statements about a year ago. TARB.

Offline noturbizniss

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #3404 on: December 31, 2019, 05:26:46 PM »
I think they specifically removed that in order to allow for return protection on closed accounts. Remember reading that on one of my statements about a year ago. TARB.
based on below looks like you are correct
Answer (at least w/r/t PRG):

They removed the below language, seemingly implying once and for all that benefit works even if card is cancelled!



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