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Purchase Protection

Secure shopping, both online and in-store 

Treating yourself feels even better when you know you're protected. Secure your shopping

sprees with our charge and Credit Card purchase protection.



90-day purchase protection, stress-free shopping



purchase protection - charge and credit card protection


Our Charge and Credit Card
purchase protection in a nutshell:

It covers you for 90 days after you buy. 
If your eligible item is stolen
or accidentally damaged, we've got you covered.


It gives you complete confidence every time you buy something with Amex.
Shopping never felt so good.


Terms, conditions and exclusions apply.




We'll offer refund protection too


If you're having trouble getting a UK shop to refund your American Express®
Charge or Credit Card payment, submit a claim and we'll refund the purchase
price up to £200. 


Terms, conditions and exclusions apply.



Security - purchase protection
Security - purchase protection statement


Keep an eye on your statement


If you see something on your statement that you don't

recognise, we can help. Check the following first though: 


  • Did you order something and then cancel it?
  • Could it be a charge you weren't expecting, or a charge for a product you haven't yet received?
  • Have you been billed more than once for the same transaction?
  • Is the merchant name appearing on your statement different to what you were expecting?



Still not right?


Call us on the number on the back of your Card - it's what we're here for. 

If the transaction is disputed, we'll freeze it and - for Credit Cards - get rid of any interest. 

If the transaction is genuine, we'll leave it where it is, but set your mind at ease.

It it's fraud, we'll credit your account within one working day.





Terms of use


For details of eligible items, limitations and what exclusions apply, please refer to your Card's

insurance terms - these can be found in the insurance documentation that came with your Card, 

or under 'Read Insurance' at the bottom of each product page.  




Other ways we protect you 


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Cardmember yet?