Green Benefit

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.

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Our Top Selections for Purchase Protection (+)

		Value
	British Airways Visa Signature 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 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 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 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 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 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 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 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 Card 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 Card 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 Card 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 Card 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 Card 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 Amex You're covered up to 90 days, up to $10,000 per claim and up to $50,000 per year.	25
	American Express Blue 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
	American Express 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
	American Express Gold Personal 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
	American Express Green Business You're covered up to 90 days, up to $10,000 per claim and up to $50,000 per year.	25
	American Express Green Personal You're covered up to 90 days, up to $10,000 per claim and up to $50,000 per year.	25
	American Express Platinum Business 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
	American Express Platinum Personal 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
	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 Spark Cash Plus Business 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 Spark Miles Business 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 Reward 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 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 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 You're protected within 120 days of purchase, up to a max of $500 per claim, and up to $50,000 per account.	25
	Costco Anywhere Visa 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 Personal 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 Your purchases are covered for 90 days from the purchase date, up to $1,000 ($500 on natural disasters).	25
	Delta Skymiles Platinum Personal 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 You're covered 90 days from the purchase date, up to $1,000 ($500 on natural disasters).	25
	Delta SkyMiles Reserve Personal You're protected for up to 90 days from the purchase date up to $1,000 ($500 on natural disasters).	25
	Hilton Honors Amex You're protected for up to 90 days, $1,000 per occurrence, and $50,000 per calendar year.	25
	Hilton Honors Amex Business You're protected for up to 90 days, $1,000 per occurrence, and $50,000 per calendar year.	25
	Hilton Honors Surpass Amex You're protected for up to 90 days, $1,000 per occurrence, and $50,000 per calendar year.	25
	IHG Rewards Club 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 You're covered 120 days from the date of purchase, up to $500 per claim and $50,000 per account.	25
	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

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

		Value
	Amazon Prime Rewards Visa 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 Rewards You're reimbursed up to $500 per claim for 90 days from the date of purchase.	15
	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
	Delta SkyMiles Gold Personal You're protected for up to 90 days from the purchase date up to $1,000 ($500 on natural disasters).	15
	Disney Premier Visa Card Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.	15
	Hilton Honors Aspire Amex 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 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 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 You're protected for up to 120 days and up to $500 per claim.	15
	Marriott Bonvoy Bountiful You're protected for up to 120 days and up to $500 per claim.	15
	Marriott Bonvoy Brilliant Amex 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 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 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 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 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 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 Business card You're covered for up to 120 days in case of damage or theft (max $500 per claim).	15
	World Of Hyatt Card You're covered for up to 120 days in case of damage or theft (max $500 per claim).	15