How to File a Purchase Protection Claim with Your Credit Card (2026)

Purchase protection reimburses you for eligible items stolen or accidentally damaged after purchase. Coverage windows are typically 90–120 days.

Coverage Limits by Card Type (2026)

• Premium cards (Platinum, Reserve, World Elite): $10,000 per incident / $50,000 annual / 90–120 day window / $0–$25 deductible
• Mid-tier cards (Gold, Preferred, Signature): $1,000–$5,000 per incident / $25,000 annual / $25–$50 deductible
• Basic cards: $500–$1,000 per incident / $10,000 annual / $50–$100 deductible

Step-by-Step Claims Process

1. Within 48 hours: File a police report for theft. Photograph damage. Preserve the item.
2. Contact benefits administrator within 90 days — get a claim number.
3. Gather documents: Original receipt, card statement, photos, police report for theft, repair estimates.
4. Submit complete package — all at once to avoid delays.

What's NOT Covered in 2026

• Normal wear and tear or mysterious disappearance
• Items purchased with Klarna, Afterpay, or other BNPL services — must be fully charged to the eligible credit card
• Digital goods, software, and subscriptions
• Vehicles, real estate, perishables, antiques, and live animals

Chase Sapphire Reserve Purchase Protection Guide • Amex Platinum Purchase Protection Guide