Protection

All cards facilitate purchases. A few even protect them.

Card companies that offer buyer protection features essentially act as your advocate when something you purchased on the card is damaged or defective, or simply doesn’t perform as it should.

There are three basic kinds of buyer protection services, many of which come at no additional charge from your card provider.

• Protection for Purchases: these features generally cover merchandise that has been accidentally damaged or stolen. The protection typically lasts 90 days from the date of purchase.  There may be a minimum amount requirement for a protected purchase to qualify for a refund. Learn more about Purchase Protection offered by AMEX Assurance Company.
• Warranty Extensions: these features extend the terms of any original manufacturer’s warranty, typically up to an additional year, for products purchased with a credit card, such as electronics. Be sure to fill out and mail the manufacturer’s warranty card as soon as you can; if you haven’t registered your product, some issuers may not provide warranty protection. Learn more about Extended Warranty offered by AMEX Assurance Company.
• Protection for Returned Items: These features guarantee customer satisfaction on covered items charged to a card account. If a card holder tries to return an item and the merchant won’t take it back within the 90 days, the card issuer will refund the purchase price. Limits on refunds per item and per year may apply, and the protection may be available for a limited period of time after purchase. Learn more about Return Protection offered by American Express.