Amex Purchase Protection for Lost Items
American Express credit cards come with purchase protection which usually covers lost, stolen or damaged items for up to 90 days from the date of purchase. You can see the coverage terms for each American Express credit card here.
American Express has now made a minor change in the terms of Purchase Protection coverage for most cards and will no longer cover lost items. That includes most cards with no annual fee and annual fees under $200:
- American Express Green Card
- Gold Delta SkyMiles Credit Card
- Gold Delta SkyMiles Business Credit Card from American Express
- Platinum Delta SkyMiles® Credit Card
- Platinum Delta SkyMiles® Business Credit Card
- Hilton Honors American Express Card
- Hilton Honors American Express Surpass Card
- Hilton Honors American Express Business Card
- Marriott Bonvoy™ American Express® Card
- Marriott Bonvoy Business™ American Express® Card
- American Express Blue Business Plus
- American Express Blue Business Cash
- Blue Cash Everyday® Card from American Express
- Blue Cash Preferred® Card from American Express
- Amex EveryDay® Credit Card
- Amex EveryDay® Preferred Credit Card
- Cash Magnet Card
For these cards you will see that Purchase Protection applied to “events which results in damage to or theft of a covered purchase”. For other cards the terms state “damage to, losing or theft of a covered purchase”.
If you have lost and item, and you thing it might have been stolen, you will need to file a report. You have to do that before filing a claim, and will need to send in the written report of the theft filed with the appropriate authority.
Amex Cards that Offer Purchase Protection for Lost Items
This benefit is now available on premium cards only, which are cards with higher annual fees such as:
- Platinum Card® from American Express
- The Platinum Card® from American Express for Charles Schwab
- The Platinum Card® from American Express for Goldman Sachs
- The Platinum Card® from American Express for Morgan Stanley
- Business Platinum Card from American Express
- American Express Gold Card
- Hilton Honors American Express Aspire Card
- Marriott Bonvoy Bevy™ American Express® Card
- Marriott Bonvoy Brilliant American Express Card
- Delta SkyMiles® Reserve for Business Credit Card
- Delta SkyMiles® Reserve Credit Card
- Centurion® Card from American Express
- Business Centurion® Card from American Express
It’s also important to note that cards that do cover stolen items, they will not do so if the item was lost when “under the temporary care and control of a third party other than the Eligible Beneficiary, including a common carrier”.
