Amex would most likely usually be best.
Though would this be under any of the exceptions is the question.
Right.
This from Amex:
5. Are there exclusions or limitations to Return Protection?
Purchases must be made in the 50 United States of America, the District of Columbia, Puerto Rico, the U.S. Virgin Islands, American Samoa, Federated States of Micronesia, Marshall Islands, Palau, Guam and Northern Mariana Islands and charged in full on your eligible Card. Refunds are limited to $300 per eligible item, and $1,000 per Card Member account per calendar year based on the date of purchase, not during the year the claim was filed. To be eligible, an item must be in the original purchase condition (not visibly used, defective, or damaged in any way) and must be in working order. The merchant from which the item was originally purchased must also have denied an attempted return of the item. Any item purchased from a merchant that has an established return/satisfaction guarantee program which is greater than or equal to the terms of Return Protection, and provides coverage for your claim, will not be eligible for a refund. Product rebates, discounts or money received from lowest price comparison programs will be deducted from the original cost of the item. The maximum you will be compensated will not exceed the amount charged to the eligible Card Account.
Items not eligible for a refund are: 1. animals and living plants; 2. one-of-a-kind items (including, but not limited to, antiques, artwork, and furs); 3. limited edition items; 4. going-out-of-business sale items; 5. consumable or perishable items with limited life spans (including, but not limited to, food, perfume, light bulbs, and batteries); 6. jewelry (including, but not limited to, loose gems, precious stones, metals, and pearls); 7. watches; 8. services and additional costs (including, but not limited to, installation charges, warranties, shipping, handling or memberships); 9. rare and precious coins; 10. purchased used and/or altered items (including, but not limited to, purchases at auction sites and second-hand stores);
11. custom-built items; 12. compact discs,....
