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Extended warranty

When you use your eligible card to purchase items that come with a manufacturer’s warranty, extended warranty protection can add an additional year to this warranty. Coverage applies to warranties of five years or less.

All Amex cards with this benefit provide the same level of protection. Extended warranty coverage is up to the actual amount charged to your card for the item with a maximum of $10,000. There is an annual limit of $50,000 per Card Member account in a calendar year.*

Here are the cards that include this protection when you use them to purchase travel:

*Eligibility and benefit levels vary by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.

**Information for these cards has been independently collected by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Compensation protection

Have you ever tried to return an item and the store or seller won’t take it back? In these cases, you may return eligible purchases to American Express up to 90 days from the date of purchase.

With return protection, American Express can refund up to $300 of the full purchase price per item (excluding shipping and handling) and up to a maximum of $1,000 per calendar year per card account. To be eligible, you must pay for the item in full with your eligible American Express card, and purchases must be made in the US or its territories.*

Here are the cards that offer refund protection when used for purchases:

*Eligibility and benefit levels vary by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details.

**Information for these cards has been independently collected by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Purchase protection

While return protection allows you to return items, purchase protection is for items that you want to keep but that have been accidentally damaged, stolen or lost within a period of up to 90 days from the date of purchase. Purchase Protection is an embedded card benefit and does not require registration.

This benefit has two different “tiers” of coverage depending on the card you carry.

Level 1: The highest card

Cards at this level offer coverage with limits up to $10,000 per occurrence and up to $50,000 per card member account per calendar year.*

The following cards offer this benefit:

Tier 2: Mid-tier cards

Other American Express cards offer purchase protection with limits up to $1,000 per occurrence and up to $50,000 per card member account per calendar year.*

Here are cards that include this protection when you use them to pay for your items:

*Eligibility and benefit levels vary by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.

**Information for these cards has been independently collected by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

The bottom line

Understanding your card purchase and purchase benefits will help you know what to do if something goes wrong. American Express offers multiple shopping protections across its family of cards, protecting the items you want to keep and the things you want to return.