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How American Express Purchase Protection Works

Amex Purchase Protection is a Card benefit that covers items stolen or damaged. Learn more about using your Card's purchase protection.

By Cristina Gibson | American Express Credit Intel Freelance Contributor

4 Min Read | May 11, 2020 in Cards

purchase protection

What is Purchase Protection?

Purchase Protection can cover the cost of life’s “uh-oh” moments, so you can be more confident when buying with your Eligible Card. From broken laptops and phones to delivered packages nabbed from the front porch, when you make a Covered Eligible Purchase with your Eligible American Express Card, you can rest easy knowing that you may be protected up to $1,000 per incident (for some Cards you may be protected up to $10,000 per incident) when the unexpected strikes.

Who is Eligible for Purchase Protection?

When you charge a Covered Purchase to your Eligible Card, you can be reimbursed for up to 90 days from the date of purchase if the item is stolen or accidentally damaged. Most Cards allow up to $1,000 per incident, with a limit of $50,000 per year. Some premium American Express Cards also include coverage for lost items and provide coverage of up to $10,000 per incident and $50,000 per year. The Platinum Card®, Gold Card, Delta SkyMiles® Reserve Card, Hilton Aspire Card, and Marriott Bonvoy Brilliant™ Card are just a few examples.

What Is Covered?

From lamps to loungewear and from headphones to handbags, you can use your Eligible Card with more confidence when you’re covered with Purchase Protection.


Covered Eligible Purchases are items bought with your Eligible Card and are covered for the first 90 days after the day of purchase. More information can be found here.

How Do I File a Claim?

American Express makes it easy – you can file your claim online or by giving us a call at 1-800-322-1277; if international, call collect at 1-303-273-6498. You will be asked certain questions about your claim at that time. The claim should be provided within thirty (30) days of the loss or as soon as reasonably possible.


You will need to provide American Express with the original store receipt or a printout of an online receipt. If the item was stolen, you may need to show us a copy of the police report, or if the item was damaged, you may need to send it in to complete the claim – so don’t throw it out.

purchase protection
Cristina Gibson

Cristina Gibson is a writer and journalist who has covered consumer goods, fashion, technology, and travel for more than 15 years.


All Credit Intel content is written by freelance authors and commissioned and paid for by American Express. 

The material made available for you on this website, Credit Intel, is for informational purposes only and is not intended to provide legal, tax or financial advice. If you have questions, please consult your own professional legal, tax and financial advisors.