Before the news broke, American Express cardholders who lost a purchase in the last 90 days had a language stating that “damage to, loss of,<\/strong> or theft of a covered purchase”<\/em> would be included.<\/p>\n Now, the purchase protection applies to “events that result in damage to or theft of a covered purchase<\/em>.”<\/p>\n The removal of just two words is a big change, and there are over a dozen cards affected:<\/p>\n Keep in mind that any theft case requires filing a police report with the municipality where the theft occurred. You can file a claim online<\/a> or call Amex at 1-800-228-6855.<\/p>\n Thankfully, some American Express cards still include purchase protection for lost items \u2014 though coverage depends on the specific card and circumstances.<\/p>\n Importantly, purchase protection typically does not apply if the item was lost while in the care of a third party, such as an airline or shipping carrier.<\/p>\n In those cases, your card\u2019s baggage insurance<\/a> may apply instead. This is a separate benefit that can cover lost, stolen, or damaged luggage when traveling on a common carrier, with its own rules and limits.<\/p>\n Coverage amounts also vary by card. For example, the American Express Platinum Card\u00ae<\/sup><\/a> offers up to $10,000 per covered event (up to $50,000 per year), while the American Express\u00ae<\/sup> Gold Card<\/a> offers up to $1,000 per covered event.<\/p>\n Here's a list of cards issued by Amex that still have protections:<\/p>\n If you hold one of these cards, purchases made within the last 90 days may still be eligible for lost item coverage.<\/p>\n If you're not an Amex cardholder, there are plenty of other card options that still offer purchase protection for lost items.<\/p>\n Chase offers a multitude of options<\/a> with 120 days of protection for lost purchases (90 days for New York residents). All Chase cards include some form of purchase protection, including favorites like the Chase Sapphire Preferred\u00ae<\/sup> Card<\/a>. The amount covered may vary depending on the card you hold.<\/p>\n\n
Amex Cards That Still Cover Lost Items Under Purchase Protection<\/span><\/h2>\n
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Other Credit Cards That Still Offer Purchase Protection<\/span><\/h2>\n
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