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Purchase Protection

All versions of card benefits are not created equal. Below is a quick reference on what cards are best for Purchase Protection benefit.

Details

Credit cards with purchase protection (also called damage protection) cover you in case of damage, theft and sometimes even loss of an item. The item will either be repaired or replaced -- or you'll be reimbursed for the purchase price. The coverage amount can vary widely by card, from $500 to $10,000 per claim. The duration of coverage also tends to vary between 90 and 120 days. The (+) versions have 120 day coverage for up to $10,000 per claim. The (-) versions are less than $1000 per item or claim.

If you have a tendency to lose things, it is worth noting that several of premium Capital One cards also cover lost items.

Our Top Selections for Purchase Protection (+)

Value
British Airways British Airways

You're covered for new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

20
Chase Aeroplan Chase Aeroplan

You're covered for new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

20
Chase Ink Business Cash Chase Ink Business Cash

Your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

20
Chase Ink Business Preferred Chase Ink Business Preferred

Your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

20
Chase Ink Business Premier Chase Ink Business Premier

Your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

20
Chase Ink Business Unlimited Chase Ink Business Unlimited

Your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

20
Chase Sapphire Preferred Chase Sapphire Preferred

Your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

20
Chase Sapphire Reserve Chase Sapphire Reserve

Your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

20
United Business United Business

Your new purchases are covered for 120 days against damage or theft, up to $10,000 per claim, and $50,000 per year.

20
United Club Business United Club Business

Your new purchases are covered for 120 days against damage or theft, up to $10,000 per claim, and $50,000 per year.

20
United Club Infinite United Club Infinite

Your new purchases are covered for 120 days against damage or theft, up to $10,000 per claim, and $50,000 per year.

20
United Explorer United Explorer

Your new purchases are covered for 120 days against damage or theft, up to $10,000 per claim, and $50,000 per year.

20
United Quest United Quest

Your new purchases are covered for 120 days against damage or theft, up to $10,000 per claim, and $50,000 per year.

20

Other Cards with Solid Value for Purchase Protection (=)

Value
Amazon Business Prime Amazon Business Prime

You're covered up to 90 days, up to $10,000 per claim and up to $50,000 per year.

25
Amex Blue Business Cash Amex Blue Business Cash

You're protected for up to 90 days, up to $1,000 per item and up to $50,000 per year.

25
Amex Blue Business Plus Amex Blue Business Plus

You're protected for up to 90 days, up to $1,000 per item and up to $50,000 per year.

25
Amex Blue Cash Everyday Amex Blue Cash Everyday

Enjoy up to 1 additional year on the original manufacturer’s warranties of 5 years or less.

25
Amex Blue Cash Preferred Amex Blue Cash Preferred

If it is within 90 days of your purchase date, then you could get up to $1,000 back per claim up to $50,000 per account per calendar year.

25
Amex Business Gold Amex Business Gold

Your purchases are covered up to 120 days (90 days for New York residents); up to $1,000 per item and $50,000 per year.

25
Amex Business Green Amex Business Green

You're covered up to 90 days, up to $10,000 per claim and up to $50,000 per year.

25
Amex Business Platinum Amex Business Platinum

You can file up to $10,000 per claim ($50,000 max per year) in the event of damage or theft in the first 90 days.

25
Amex Gold Amex Gold

You can file up to $10,000 per claim ($50,000 max per year) in the event of damage or theft in the first 90 days.

25
Amex Green Amex Green

You're covered up to 90 days, up to $10,000 per claim and up to $50,000 per year.

25
Amex Platinum Amex Platinum

You can file up to $10,000 per claim ($50,000 max per year) in the event of damage or theft in the first 90 days.

25
Bank of America Premium Rewards Bank of America Premium Rewards

Get a repair, replacement or reimbursement if an eligible item purchased with the card is stolen or damaged within 90 days of purchase. You're provided with reimbursement of up to $10,000 per claim.

25
Capital One Quicksilver Capital One Quicksilver

You're covered on items lost or stolen within 90 days, up to $10,000 per claim and $50,000 per cardholder.

25
Capital One Venture Capital One Venture

You're covered on items lost or stolen within 90 days, up to $10,000 per claim, and $50,000 per cardholder.

25
Capital One Venture X Capital One Venture X

You're covered on items lost or stolen within 90 days, up to $10,000 per claim, and $50,000 per cardholder.

25
Chase Freedom Flex Chase Freedom Flex

Your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

25
Chase Freedom Unlimited Chase Freedom Unlimited

You're protected within 120 days of purchase, up to a max of $500 per claim, and up to $50,000 per account.

25
Citi Costco Citi Costco

will cover repairs or a refund if eligible purchases made with your card are damaged or stolen within 120 days of purchase (90 days for New York residents).

25
Delta SkyMiles Blue Delta SkyMiles Blue

You're protected for up to 90 days from the purchase date up to $1,000 ($500 on natural disasters).

25
Delta SkyMiles Platinum Delta SkyMiles Platinum

You're protected for up to 90 days from the purchase date up to $1,000 ($500 on natural disasters).

25
Delta SkyMiles Platinum Business Delta SkyMiles Platinum Business

Your purchases are covered for 90 days from the purchase date, up to $1,000 ($500 on natural disasters).

25
Delta SkyMiles Reserve Delta SkyMiles Reserve

You're protected for up to 90 days from the purchase date up to $1,000 ($500 on natural disasters).

25
Delta SkyMiles Reserve Business Delta SkyMiles Reserve Business

You're covered 90 days from the purchase date, up to $1,000 ($500 on natural disasters).

25
Hilton Honors Hilton Honors

You're protected for up to 90 days, $1,000 per occurrence, and $50,000 per calendar year.

25
Hilton Honors Business Hilton Honors Business

You're protected for up to 90 days, $1,000 per occurrence, and $50,000 per calendar year.

25
Hilton Honors Surpass Hilton Honors Surpass

You're protected for up to 90 days, $1,000 per occurrence, and $50,000 per calendar year.

25
IHG One Rewards Premier IHG One Rewards Premier

You're protected for 120 days from the date of purchase, up to $10,000 per claim, and $50,000 per account.

25
Marriott Bonvoy Bold Marriott Bonvoy Bold

You're covered 120 days from the date of purchase, up to $500 per claim and $50,000 per account.

25
United Gateway United Gateway

Your new purchases are covered for 120 days against damage or theft, up to $10,000 per claim, and $50,000 per year.

25

Cards Offering Some Value for Purchase Protection with Limitations (-)

Value
Amazon Prime Amazon Prime

Your purchases are covered for 120 days against damage or theft up to $500 per claim and $50,000 per account

15
Capital One VentureOne Capital One VentureOne

You're reimbursed up to $500 per claim for 90 days from the date of purchase.

15
Chase Disney Premier Chase Disney Premier

Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.

15
Delta SkyMiles Gold Delta SkyMiles Gold

You're protected for up to 90 days from the purchase date up to $1,000 ($500 on natural disasters).

15
Delta SkyMiles Gold Business Delta SkyMiles Gold Business

You're protected for up to 90 days from the purchase date up to $1,000 ($500 on natural disasters).

15
Hilton Honors Aspire Hilton Honors Aspire

You're protected for up to 90 days from the purchase date, up to $300 per item and up to $1,000 per year.

15
IHG One Rewards Premier Business IHG One Rewards Premier Business

You're protected for 120 days from the date of purchase, up to $500 per claim, and $50,000 per account.

15
Marriott Bonvoy Bevy Marriott Bonvoy Bevy

Your coverage is limited to 90 days from the date of purchase, up to $300 per item and up to $1,000 per cardmember account per calendar year.

15
Marriott Bonvoy Boundless Marriott Bonvoy Boundless

You're protected for up to 120 days and up to $500 per claim.

15
Marriott Bonvoy Bountiful Marriott Bonvoy Bountiful

You're protected for up to 120 days and up to $500 per claim.

15
Marriott Bonvoy Brilliant Marriott Bonvoy Brilliant

Your coverage is limited to 90 days from the date of purchase, up to $300 per item and up to $1,000 per cardmember account per calendar year.

15
Southwest Rapid Rewards Performance Business Southwest Rapid Rewards Performance Business

Your new purchases are covered for 120 days against damage or theft, up to $500 per claim, and $50,000 per account.

15
Southwest Rapid Rewards Plus Southwest Rapid Rewards Plus

Your new purchases are covered for 120 days against damage or theft, up to $500 per claim, and $50,000 per account.

15
Southwest Rapid Rewards Premier Southwest Rapid Rewards Premier

Your new purchases are covered for 120 days against damage or theft, up to $500 per claim, and $50,000 per account.

15
Southwest Rapid Rewards Premier Business Southwest Rapid Rewards Premier Business

Your new purchases are covered for 120 days against damage or theft, up to $500 per claim, and $50,000 per account.

15
Southwest Rapid Rewards Priority Southwest Rapid Rewards Priority

Your new purchases are covered for 120 days against damage or theft, up to $500 per claim, and $50,000 per account.

15
World of Hyatt World of Hyatt

You're covered for up to 120 days in case of damage or theft (max $500 per claim).

15
World of Hyatt Business World of Hyatt Business

You're covered for up to 120 days in case of damage or theft (max $500 per claim).

15