Guide to American Express Return Protection

American Express offers a valuable benefit to its cardholders: Return Protection. This extended return policy applies to eligible purchases made with certain American Express cards within the United States or its territories.

If you find yourself in a situation where a seller won't take back an eligible item, American Express may step in to help. For purchases entirely made with your eligible American Express® Card, the company can refund the full purchase price, excluding shipping and handling, up to $300 per item, with a maximum of $1,000 per calendar year per Card account.

The return window is extended to 90 days, which can be particularly helpful for gifts. However, it's important to note that American Express Return Protection differs from Purchase Protection, which covers lost or stolen purchases.

To file a claim, you will need a copy of the original store receipt, a copy of your AmEx card statement showing the charge, and any other items American Express may need to process your request. You can do this by calling 800-228-6855 or filing a claim online.

There are certain exclusions to what American Express will reimburse. These include one-of-a-kind items, animals or plants, going-out-of-business sale items, and perishable or consumable items. The full list of exclusions can be found online.

The items must be in their original condition and not used, damaged, or defective. Once you have filed a claim, you can check its status on the claim website or by calling the same number listed above.

It's worth noting that not all American Express cards offer Return Protection; the list of eligible cards can be found online. Additionally, eligibility and benefit level vary by Card. Terms, Conditions, and Limitations Apply.

For more information about American Express vs. Chase points, visit the provided link. Remember, the claim must be filed within 90 days of purchase to be eligible for reimbursement.

American Express Return Protection is just one of the shopping protections offered by American Express. The Platinum Card, for instance, includes premium return services, implying that not all Amex cards include this benefit. To learn more about the best travel credit cards of 2025, check out the subsequent section.