Best Credit Card For Purchase Protection Benefits

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

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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Bilt Obsidian

Coverage for damage or theft of purchases within 90 days. Coverage up to $1,000 per claim and $50,000 per calendar year.

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Bilt Palladium

Coverage for damage or theft of purchases within 90 days. Coverage up to $1,000 per claim and $50,000 per calendar year.

Card Details

British Airways

Coverage for damage or theft of purchases within 120 days. Coverage up to $10,000 per claim and $50,000 per calendar year

Card Details

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Our Top Selections for Purchase Protection (+)

		Value
	Bilt Obsidian Coverage for damage or theft of purchases within 90 days. Coverage up to $1,000 per claim and $50,000 per calendar year.	25
	Bilt Palladium Coverage for damage or theft of purchases within 90 days. Coverage up to $1,000 per claim and $50,000 per calendar year.	25
	British Airways Coverage for damage or theft of purchases within 120 days. Coverage up to $10,000 per claim and $50,000 per calendar year	25
	Chase Aeroplan Coverage for damage or theft of purchases within 120 days. Coverage up to $500 per item.	25
	Chase Ink Business Cash Coverage for damage or theft of purchases within 120 days. Coverage up to $10,000 per claim and $50,000 per calendar year.	25
	Chase Ink Business Preferred Coverage for damage or theft of purchases within 120 days. Coverage up to $10,000 per claim and $50,000 per calendar year.	25
	Chase Ink Business Premier Coverage for damage or theft of purchases within 120 days. Coverage up to $10,000 per claim and $50,000 per calendar year.	25
	Chase Ink Business Unlimited Coverage for damage or theft of purchases within 120 days. Coverage up to $10,000 per claim and $50,000 per calendar year.	25
	Chase Sapphire Preferred Coverage for damage or theft of purchases within 120 days. Coverage up to $10,000 per claim and $50,000 per calendar year.	25
	Chase Sapphire Reserve Coverage for damage or theft of purchases within 120 days. Coverage up to $10,000 per claim and $50,000 per account.	25
	Chase Sapphire Reserve Business Coverage for damage or theft of purchases within 120 days. Coverage up to $10,000 per claim and $50,000 per account.	25
	United Business Coverage for damage or theft of purchases within 120 days. Coverage up to $10,000 per claim and $50,000 per calendar year.	25
	United Club Coverage for damage or theft of purchases within 120 days. Coverage up to $10,000 per claim and $50,000 per calendar year.	25
	United Club Business Coverage for damage or theft of purchases within 120 days. Coverage up to $10,000 per claim and $50,000 per calendar year.	25
	United Explorer Coverage for damage or theft of purchases within 120 days. Coverage up to $10,000 per claim and $50,000 per calendar year.	25
	United Quest Coverage for damage or theft of purchases within 120 days. Coverage up to $10,000 per claim and $50,000 per calendar year.	25

Other Cards with Solid Value for Purchase Protection (=)

		Value
	Amazon Business Prime Coverage for damage or theft of purchases within 90 days. Coverage up to $10,000 per claim and $50,000 per calendar year.	25
	American Airlines Citi AAdvantage Executive Coverage for damage or theft of purchases within 90 days. Coverage up to $10,000 per claim.	25
	American Airlines Citi AAdvantage Globe Coverage for damage or theft of purchases within 90 days. Coverage up to $10,000 per claim and $50,000 per calendar year.	25
	Amex Blue Business Cash Coverage for damage or theft for up to 90 days from purchase, up to $1,000 per item and $50,000 per cardmember year.	25
	Amex Blue Business Plus Coverage for damage or theft for up to 90 days from purchase, up to $1,000 per item and $50,000 per cardmember year.	25
	Amex Blue Cash Everyday Coverage for damage or theft of purchases within 90 days of purchase. Coverage up to $1,000 per claim and $50,000 per calendar year.	25
	Amex Blue Cash Preferred Coverage for damage or theft of purchases within 90 days. Coverage up to $1,000 per claim and $50,000 per calendar year.	25
	Amex Business Gold Coverage for damage or theft of purchases within 120 days. Coverage up to $1,000 per claim and $50,000 per calendar year.	25
	Amex Business Green Coverage for damage or theft of purchases within 90 days. Coverage up to $10,000 per claim and $50,000 per calendar year.	25
	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 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 Coverage for damage or theft of purchases within 90 days. Coverage up to $10,000 per claim and $50,000 per calendar year.	25
	Amex Platinum Coverage for damage or theft of eligible purchases within 90 days of purchase. Coverage up to $10,000 per claim and $50,000 per calendar year.	25
	Atmos Rewards Summit Visa Infinite Coverage for damage or theft of purchases within 90 days. Coverage up to $10,000 per claim and $20,000 per calendar year.	25
	Atmos Rewards Visa Business Coverage for damage or theft of purchases within 90 days. Coverage up to $10,000 per claim and $50,000 per calendar year.	25
	Bank of America Premium Rewards Coverage for damage or theft of purchases within 90 days. Coverage up to $10,000 per claim.	25
	Bank of America Travel Rewards Coverage for damage or theft of purchases within 90 days. Coverage up to $500 per claim and $50,000 per calendar year.	25
	Bilt Blue Coverage for damage or theft of purchases within 90 days. Coverage up to $10,000 per claim and $50,000 per calendar year.	25
	Capital One Quicksilver Coverage for damage or theft of purchases within 90 days. Coverage up to $10,000 per claim and $50,000 per calendar year.	25
	Capital One Spark 2% Cash Plus Coverage for damage or theft of purchases within 90 days. Coverage up to $10,000 per claim and $50,000 per calendar year.	25
	Capital One Spark 2x Miles Coverage for damage or theft of purchases within 90 days. Coverage up to $10,000 per claim and $50,000 per calendar year.	25
	Capital One Venture Rewards Coverage for damage or theft of purchases within 90 days. Coverage up to $10,000 per claim and $50,000 per calendar year.	25
	Capital One Venture X Coverage for damage or theft of purchases within 90 days of purchase. Coverage up to $10,000 per claim and $50,000 per account.	25
	Chase Freedom Flex Coverage for damage or theft of purchases within 120 days. Coverage up to $10,000 per claim and $50,000 per calendar year.	25
	Chase Freedom Unlimited Coverage for damage or theft of purchases within 120 days. Coverage up to $500 per claim and $50,000 per calendar year.	25
	Citi Costco Anywhere Visa Coverage for damage or theft of purchases within 120 days. Coverage up to $1,000 per claim and $50,000 per calendar year.	25
	Citi Strata Coverage for damage or theft of purchases within 90 days. Coverage up to $1,000 per claim and $50,000 per calendar year.	25
	Citi Strata Elite Coverage for damage or theft of purchases within 90 days. Coverage up to $1,000 per claim and $50,000 per calendar year.	25
	Citi Strata Premier Coverage for damage or theft of purchases within 90 days. Coverage up to $10,000 per claim and $50,000 per calendar year.	25
	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 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 Coverage for damage or theft of purchases within 90 days. Coverage up to $1,000 per claim.	25
	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 Coverage for damage or theft of purchases within 90 days. Coverage up to $1,000 per claim.	25
	Hawaiian Airlines Coverage for damage or theft of purchases within 90 days. Coverage up to $1,000 per claim and $50,000 per calendar year.	25
	Hawaiian Airlines Business Coverage for damage or theft of purchases within 90 days. Coverage up to $1,000 per claim and $50,000 per calendar year.	25
	Hilton Honors Coverage for damage or theft of purchases within 90 days. Coverage up to $1,000 per claim and $50,000 per calendar year.	25
	Hilton Honors Business Coverage for damage or theft of purchases within 90 days. Coverage up to $1,000 per claim and $50,000 per calendar year.	25
	Hilton Honors Surpass Coverage for damage or theft of purchases within 90 days. Coverage up to $1,000 per claim and $50,000 per calendar year.	25
	IHG One Rewards Premier Coverage for damage or theft of purchases within 120 days. Coverage up to $10,000 per claim and $50,000 per calendar year.	25
	Lufthansa Miles and More Coverage for damage or theft of purchases within 90 days. Coverage up to $1,000 per claim and $50,000 per calendar year.	25
	Marriott Bonvoy Bold Coverage for damage or theft of purchases within 120 days. Coverage up to $500 per claim and $50,000 per calendar year.	25
	United Gateway Coverage for damage or theft of purchases within 120 days (90 days NY residents). Coverage up to $500 per claim and $50,000 per account.	25

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

		Value
	Amazon Prime Visa Coverage for damage or theft of purchases within 120 days. Coverage up to $500 per claim and $50,000 per calendar year.	25
	Amex Graphite Business Cash Unlimited Coverage for damage or theft of purchases within 90 days of purchase. Coverage up to $1,000 per claim and $50,000 per calendar year.	25
	Bank of America Business Advantage Travel Coverage for damage or theft of purchases within 90 days. Coverage up to $500 per claim and $50,000 per calendar year.	25
	Capital One Spark 2% Cash Business Coverage for damage or theft of purchases within 90 days. Coverage up to $10,000 per claim and $50,000 per calendar year.	25
	Capital One VentureOne Coverage for damage or theft of purchases within 90 days. Coverage up to $500 per claim.	25
	Chase Disney Premier Coverage for damage or theft of purchases within 120 days. Coverage up to $500 per claim and $50,000 per calendar year.	25
	Citi Costco Business Coverage for damage or theft of purchases within 90 days. Coverage up to $1,000 per claim and $50,000 per calendar year.	25
	Delta SkyMiles Gold You're protected for up to 90 days from the purchase date up to $1,000 ($500 on natural disasters).	25
	Delta SkyMiles Gold Business You're protected for up to 90 days from the purchase date up to $1,000 ($500 on natural disasters).	25
	Hilton Honors Aspire Coverage for damage or theft of purchases within 90 days. Coverage up to $300 per claim and $1,000 per calendar year.	25
	IHG One Rewards Premier Business Coverage for damage or theft of purchases within 120 days. Coverage up to $500 per claim and $50,000 per account.	25
	JetBlue Business Coverage for damage or theft of purchases within 90 days. Coverage up to $1,000 per claim and $50,000 per calendar year.	25
	JetBlue Plus Coverage for damage or theft of purchases within 90 days. Coverage up to $500 per claim.	25
	Marriott Bonvoy Bevy Coverage for damage or theft of purchases within 90 days. Coverage up to $10,000 per claim and $50,000 per calendar year.	25
	Marriott Bonvoy Boundless Coverage for damage or theft of purchases within 120 days. Coverage up to $500 per claim.	25
	Marriott Bonvoy Bountiful Coverage for damage or theft of purchases within 120 days. Coverage up to $500 per claim.	25
	Marriott Bonvoy Brilliant Coverage for damage or theft of purchases within 90 days. Coverage up to $300 per claim and $1,000 per calendar year.	25
	Southwest Rapid Rewards Performance Business Coverage for damage or theft of purchases within 120 days. Coverage up to $500 per claim and $50,000 per calendar year.	25
	Southwest Rapid Rewards Plus Coverage for damage or theft of purchases within 120 days. Coverage up to $500 per claim and $50,000 per calendar year.	25
	Southwest Rapid Rewards Premier Coverage for damage or theft of purchases within 120 days. Coverage up to $500 per claim and $50,000 per calendar year.	25
	Southwest Rapid Rewards Premier Business Coverage for damage or theft of purchases within 120 days. Coverage up to $500 per claim and $50,000 per account.	25
	Southwest Rapid Rewards Priority Coverage for damage or theft of purchases within 120 days. Coverage up to $500 per claim and $50,000 per calendar year.	25
	World of Hyatt Coverage for damage or theft of purchases within 120 days. Coverage up to $500 per claim and $50,000 per calendar year.	25
	World of Hyatt Business Coverage for damage or theft of purchases within 120 days. Coverage up to $10,000 per claim.	25