DansDeals will receive compensation if you are approved for a credit card via a link in this post. Terms apply to American Express benefits and offers, visit americanexpress.com to learn more.
Update: DEAD! Don’t miss it if this becomes alive again. Sign up for deal notification alerts here!
Update: Today is the final day for several benefits on AMEX cards. For example, you can still receive return protection for items purchased today on most AMEX cards, but starting tomorrow that benefit is being eliminated from most cards.
Starting tomorrow new benefits like trip delay and cancellation will begin on select cards.
Originally posted on 9/24:
American Express benefits are changing in a big way come 1/1/20.
American Express tells me that lesser utilized benefits, such as travel accident insurance and roadside assistance, are being eliminated from all cards. AMEX has confirmed to me that this includes the elimination of premium roadside assistance from the top-tier Platinum cards.
- Return protection, which is found on many cards today and is one of my favorite credit card benefits, will be limited to top-tier cards only starting for purchases made on or after 1/1/20. This will continue to allow you to return items 90 days from purchase, up to $300 each and $1,000 per year that a store won’t take back due to final sale or a limited time return policy. It also covers restocking fees paid to make a return. Limiting this benefit to premium cards is a shame as this is an incredibly valuable and useful benefit.
- Extended warranty, which now matches the manufacturer’s warranty up to 2 years, will only match it for up to 1 year for purchases made on or after 1/1/20.
- Purchase protection, which now covers damaged or stolen items on all cards and lost items on select cards, will be lowered from 120 days to 90 days from the date of purchase for purchases made on or after 1/1/20. Premium cards will get coverage for lost, stolen, or damaged items up to $10,000/incident and $50,000/year, while non-premium cards will get coverage for stolen or damaged items up to $1,000/incident and $50,000/year. The chart below described the benefits for each card.
- Global Assist will continue as it is today with help provided when abroad on a variety of issues. Top-tier Platinum cardholders get Premium Global Assist with no cost medical transport/evacuation and repatriation of remains.
On the plus side, AMEX is adding benefits too:
- Trip delay insurance will reimburse expenses due to a flight delay. Top-tier cards (like the Business Platinum Card) will get $500 of coverage for 6+ hour delays and mid-tier cards (like the Business Gold Card) will get $300 of coverage for 12+ hour delays. The chart below shows which cards will get which benefits.
- Trip cancellation and interruption insurance covers trips cancelled or delayed due to weather, terrorism, jury duty, or sudden illness or injury with up to $10,000 of coverage per trip and $20,000 per rolling 12 month period. The chart below shows which cards will this benefit.
- These trip benefits apply to round-trip, open-jaw, or multi-segment paid tickets, award tickets where AMEX is used for the taxes, or tickets purchased with AMEX points. You can book multiple one-way tickets with AMEX and be covered as well if it creates a round-trip.
Overall, this is good for some cardholders and bad for others. AMEX is smartly adding benefits to their premium cards, as opposed to Citi which just removed benefits from their premium cards. AMEX is also keeping benefits on lower end cards, though some are being removed. The lower end cards often earn more points per dollar than the top-tier cards, so it hurts to see benefits removed from those. But benefits like car rental CDW insurance survive on all cards.
I wish AMEX would allow you to utilize benefits on all cards, as long as you also hold a premium card.
But it’s great that AMEX is effectively announcing that benefits are not being killed due to the trend by Barclays, Citi, Discover to remove all card benefits. In July, Mastercard stopped providing standard benefits on their cards unless the issuing bank wanted to pay more to keep them going.
A source at Mastercard told me a few months ago that they expected most other banks to copy their benefit removals and that benefits like car rental insurance would go the way of the dodo, as it’s a very expensive benefit to provide and they aren’t utilized by many cardholders. I argued that insurance is something that cardholders don’t want to use, but like knowing that they have, so the argument that an insurance benefit is underutilized is silly..
This announcement means that there is still hope that it doesn’t have to be that way. This will also pressure Chase and Visa to maintain their current levels of benefits, even if Mastercard has given up on card benefits.
I’ve made the charts below highlighting what is changing for AMEX consumer and business cards.
Consumer cards:
| Card (Annual fee) | Trip Cancellation and Interruption Insurance | Trip Delay Insurance | Purchase Protection | Extended Warranty | Car Rental CDW Coverage | Return Protection | Baggage Insurance |
|---|---|---|---|---|---|---|---|
| AMEX Platinum ($550) | Added as of 1/1/20 | $500 coverage on 6+ hour delays added as of 1/1/20 | Reduced from 120 days to 90 days as of 1/1/20. Covers loss, theft, or damage up to $10K. | Reduced from 2 years to 1 year as of 1/1/20 | Yes | Yes | Yes |
| Delta Reserve ($550) | Added as of 1/1/20 | $500 coverage on 6+ hour delays added as of 1/1/20 | Reduced from 120 days to 90 days as of 1/1/20. Covers loss, theft, or damage up to $10K. | Reduced from 2 years to 1 year as of 1/1/20 | Yes | Yes | Yes |
| Hilton Aspire ($450) | Added as of 1/1/20 | $500 coverage on 6+ hour delays added as of 1/1/20 | Reduced from 120 days to 90 days as of 1/1/20. Covers loss, theft, or damage up to $10K. | Reduced from 2 years to 1 year as of 1/1/20 | Yes | Yes | Yes |
| Marriott Brilliant ($450) | Added as of 1/1/20 | $500 coverage on 6+ hour delays added as of 1/1/20 | Reduced from 120 days to 90 days as of 1/1/20. Covers loss, theft, or damage up to $10K. | Reduced from 2 years to 1 year as of 1/1/20 | Yes | Yes | Yes |
| AMEX Gold ($250) | No | $300 coverage on 12+ hour delays added as of 1/1/20 | Reduced from 120 days to 90 days as of 1/1/20. Covers loss, theft, or damage up to $10K. | Reduced from 2 years to 1 year as of 1/1/20 | Yes | Removed as of 1/1/20 | Yes |
| AMEX Green ($150) | No | $300 coverage on 12+ hour delays added as of 1/1/20 | Reduced from 120 days to 90 days as of 1/1/20. Covers theft or damage up to $1K. | Reduced from 2 years to 1 year as of 1/1/20 | Yes | Removed as of 1/1/20 | Yes |
| Delta Platinum ($250) | No | $300 coverage on 12+ hour delays added as of 1/1/20 | Reduced from 120 days to 90 days as of 1/1/20. Covers theft or damage up to $1K. | Reduced from 2 years to 1 year as of 1/1/20 | Yes | Removed as of 1/1/20 | Yes |
| Marriott/Grandfathered SPG ($95) | No | No | Reduced from 120 days to 90 days as of 1/1/20. Covers theft or damage up to $1K. | Reduced from 2 years to 1 year as of 1/1/20 | Yes | Removed as of 1/1/20 | Yes |
| Delta Gold ($0 intro, then $99) | No | No | Reduced from 120 days to 90 days as of 1/1/20. Covers theft or damage up to $1K. | Reduced from 2 years to 1 year as of 1/1/20 | Yes | Removed as of 1/1/20 | Yes |
| Hilton Surpass ($95) | No | No | Reduced from 120 days to 90 days as of 1/1/20. Covers theft or damage up to $1K. | Reduced from 2 years to 1 year as of 1/1/20 | Yes | Removed as of 1/1/20 | Yes |
| Blue Cash Preferred ($95) | No | No | Reduced from 120 days to 90 days as of 1/1/20. Covers theft or damage up to $1K. | Reduced from 2 years to 1 year as of 1/1/20 | Yes | Yes | No |
| Everyday Preferred ($95) | No | No | Reduced from 120 days to 90 days as of 1/1/20. Covers theft or damage up to $1K. | Reduced from 2 years to 1 year as of 1/1/20 | Yes | Yes | Removed as of 1/1/20 |
| Hilton AMEX ($0) | No | No | Reduced from 120 days to 90 days as of 1/1/20. Covers theft or damage up to $1K. | Reduced from 2 years to 1 year as of 1/1/20 | Yes | Removed as of 1/1/20 | Removed as of 1/1/20 |
| Delta Blue ($0) | No | No | Reduced from 120 days to 90 days as of 1/1/20. Covers theft or damage up to $1K. | Reduced from 2 years to 1 year as of 1/1/20 | Yes | Removed as of 1/1/20 | No |
| Blue ($0) | No | No | Reduced from 120 days to 90 days as of 1/1/20. Covers theft or damage up to $1K. | Removed as of 1/1/20 | Yes | Removed as of 1/1/20 | No |
| Everyday ($0) | No | No | Reduced from 120 days to 90 days as of 1/1/20. Covers theft or damage up to $1K. | Removed as of 1/1/20 | Yes | Removed as of 1/1/20 | No |
| Cash Magnet ($0) | No | No | Reduced from 120 days to 90 days as of 1/1/20. Covers theft or damage up to $1K. | Removed as of 1/1/20 | Yes | Removed as of 1/1/20 | No |
| Blue Cash Everyday ($0) | No | No | Reduced from 120 days to 90 days as of 1/1/20. Covers theft or damage up to $1K. | Removed as of 1/1/20 | Yes | Removed as of 1/1/20 | No |
Business cards:
| Card (Annual fee) | Trip Cancellation and Interruption Insurance | Trip Delay Insurance | Purchase Protection | Extended Warranty | Car Rental CDW Coverage | Return Protection | Baggage Insurance |
|---|---|---|---|---|---|---|---|
| AMEX Business Platinum ($595) | Added as of 1/1/20 | $500 coverage on 6+ hour delays added as of 1/1/20 | Reduced from 120 days to 90 days as of 1/1/20. Covers loss, theft, or damage up to $10K. | Reduced from 2 years to 1 year as of 1/1/20 | Yes | Yes | Yes |
| Delta Reserve Business ($550) | Added as of 1/1/20 | $500 coverage on 6+ hour delays added as of 1/1/20 | Reduced from 120 days to 90 days as of 1/1/20. Covers loss, theft, or damage up to $10K. | Reduced from 2 years to 1 year as of 1/1/20 | Yes | Yes | Yes |
| Delta Platinum Business ($250) | No | $300 coverage on 12+ hour delays added as of 1/1/20 | Reduced from 120 days to 90 days as of 1/1/20. Covers theft or damage up to $1K. | Reduced from 2 years to 1 year as of 1/1/20 | Yes | Removed as of 1/1/20 | Yes |
| AMEX Business Gold ($295) | No | $300 coverage on 12+ hour delays added as of 1/1/20 | Reduced from 120 days to 90 days as of 1/1/20. Covers theft or damage up to $1K. | Reduced from 2 years to 1 year as of 1/1/20 | Yes | Removed as of 1/1/20 | Yes |
| Hilton Business ($95) | No | No | Reduced from 120 days to 90 days as of 1/1/20. Covers theft or damage up to $1K. | Reduced from 2 years to 1 year as of 1/1/20 | Yes | Removed as of 1/1/20 | Yes |
| Delta Gold Business ($0 intro, then $99) | No | No | Reduced from 120 days to 90 days as of 1/1/20. Covers theft or damage up to $1K. | Reduced from 2 years to 1 year as of 1/1/20 | Yes | Removed as of 1/1/20 | Yes |
| AMEX Business Green ($95) | No | No | Reduced from 120 days to 90 days as of 1/1/20. Covers theft or damage up to $1K. | Reduced from 2 years to 1 year as of 1/1/20 | Yes | Removed as of 1/1/20 | Yes |
| Marriott Business ($125) | No | No | Reduced from 120 days to 90 days as of 1/1/20. Covers theft or damage up to $1K. | Reduced from 2 years to 1 year as of 1/1/20 | Yes | Removed as of 1/1/20 | Yes |
| Plum ($0 intro, then $250) | No | No | Reduced from 120 days to 90 days as of 1/1/20. Covers theft or damage up to $1K. | Reduced from 2 years to 1 year as of 1/1/20 | Yes | Yes | Removed as of 1/1/20 |
| Blue Business Plus ($0) | No | No | Reduced from 120 days to 90 days as of 1/1/20. Covers theft or damage up to $1K. | Reduced from 2 years to 1 year as of 1/1/20 | Yes | No | Removed as of 1/1/20 |
| Blue Business Cash ($0) | No | No | Reduced from 120 days to 90 days as of 1/1/20. Covers theft or damage up to $1K. | Reduced from 2 years to 1 year as of 1/1/20 | Yes | No | Removed as of 1/1/20 |
What are your thoughts on these benefit changes? Will they change which card you use?
Leave a Reply
171 Comments On "[Last Day For Several Benefits!] Major Changes Are Coming For American Express Benefits! Master Chart Of What’s Being Added And Removed"
All opinions expressed below are user generated and the opinions aren’t provided, reviewed or endorsed by any advertiser or DansDeals.
Thanks for the very clear rundown. I loved (and utilized the roadside assistance) and for me that’s a big loss that devalues the card significantly (as it was in place of me getting AAA membership or the like). I’m glad they are keeping purchase protection (which I use) and adding travel delay insurance.
Agree. Replacement of AAA was a big justification of the annual fee. Time to reevaluate.
What about the Marriott Bonvoy?
Read the post?
Skipped the last part
Thank you Dan! very informative as always!
Thanks 🙂
Dan – How does this affect the benefits on the Marriott Bonvoy (personal and business)?
Read the post?
Did. “Bonvoy” is not explicitly in the post (at least not by name, as far as I can tell).
It’s Marriott. And they can’t make me use that infernal word.
Ah, thanks! Agreed on the usage. Just didn’t see it explicitly so wasn’t sure. Apologies.
Like!
Bonvoy is not in the post (at least not explicitly).
Dan avoids offensive, explicit words like “B****y”. Look for “Marriott”.
Amex becomes a less valuable card every day. The benefits they added definitely do not compare to what they are taking away
How do travel protections compare to chase sapphire reserve?
Also, why is the $95/yr blue preferred considered premium vs. the $95/yr delta gold that’s not?
I’ll compare that in the future.
Beats me.
Did this end up happening?
Weird that all the other blogs didn’t mention anything about changes on rp. Also strange that blue cash preferred will continue to have (95 af) and gold won’t (250 af)
Most blogs don’t do their own research before posting. My typical philosophy is that I’d rather post later and have better information.
yas Dan!
Todah
Is amex rose gold card considered top tier?
It’s Gold.
Crazy that gold has a $250 AF and not considered top tier in regards to return protection, as apposed to everyday prefered that is only $95 AF but still will cover return protection.
I used to pay over $120 a year for AAA so the free roadside assistance with a major benefit for me. I have utilized the premium roadside assistance twice this year, and will likely drop the gold card if they eliminate it.
It is being dropped.
You can still get it with Sapphire Reserve:
https://www.dansdeals.com/credit-cards/chase-ultimate-rewards-premium-hybrid-card/
If I wasn’t on chase’s blacklist for the last five years 🙂
Works for AUs as well.
This is terrible. Had a non business Amex I used solely for clothing (and similar) purchases for return protection. No longer have any cards that cover return protection, and doesn’t seem like any of the options are great.
Also, don’t like the degraded purchase protection, but not as bad as full removing return protection.
I’m an Everyday Preferred and Platinum card holder. Looks like I survived the purchase Protection return protection change.
Wonder why they treat everyday preferred more than all the other non premium cards ?
They took away the baggage insurance from that card instead. The Preferred shopping cards get the return protection, while the travel cards get the baggage insurance.
What about the Amazon prime business card?
Same question- just got this primarily for the return protection benefit. Thanks for all this info, Dan!
I’ll ask about that one as well.
It looks like the Amazon business credit card (Prime and non-Prime) are keeping it.
From this link: https://www.americanexpress.com/us/credit-cards/features-benefits/policies/return-protection-terms.html which I saw on the forums page: https://forums.dansdeals.com/index.php?topic=7760.3405
You can view the individual policy on each card. The ones that have it removed have a notice at the top of the letter head policy page.
I have a card called the Bluesky. Have it since 2009. Did they change the name to blue ? Or is it discontinued and not included in this post?
What about plain Marriott? (Formerly spg)
Read the post.
Is the Amazon card gonna have return protection?
Is amazon card keeping return protection?
I’ll ask.
car rental CDW is regular car rental insurance?
Yes, collision damage waiver.
Is it primary on any card?
Not with AMEX unless you pay a $19.95/rental fee to upgrade it to Primary.
what about my Black card?
Please add me as an additional user and I’ll tell you all you need to know 😀
Dan, would you agree that the blue cash proffered is the most beneficial card for groceries with blue cash everyday coming in second?
Everyday Preferred is great too.
Yeah, but the blue cash preferred offers 6% cash back at supermarkets, while the everyday preferred only offers 3%.
If I am correct, the blue cash preferred gives cash back. The Everyday Preferred gives 4.5 pts per $1 if you make 30+ transactions in a billing cycle. Assuming Dan values that at at least 6%
how about the Schwab Investor Card® from American Express in terms of return protection?
That’s not issued by AMEX. Call them for benefit terms.
Thanks
That and its Platinum sibling are weird in that they’re heavily advertised by Schwab, but issued by American Express National Bank (aka the old Centurion Bank), and I think all account management goes through Amex’s site. On this page, it looks like Amex does issue it: https://www.schwab.com/public/schwab/investing/accounts_products/credit_cards
> Is American Express or Charles Schwab the issuer of these cards?
> This Card is issued by American Express National Bank. Schwab and American Express National Bank, have partnered together to create the Schwab Investor Card® from American Express, exclusively designed for Schwab investors like you.
> Please note that Schwab is not involved with any credit decision, or in the approval process, for any applicant for the Card.
The AMEX Platinum card is just the regular Platinum card with their branding on it and benefits will be the same.
That’s different that the investor card.
Sorry if I wasn’t clear in my post – totally understand their Platinum is like the others (Ameriprise, Morgan Stanley, the old Mercedes one, etc.) just with the option of MR->cash conversion and is a different card that the Investor Card.
Based on the language of the page for both, it appears that AENB is the issuer of both, and the Schwab Investor Card is kind of like an older version of the Cash Magnet (1.5% back, FTFs), but only available for Schwab customers to apply for. I’d venture to guess that if anyone has that, all management is done through Amex’s site – here’s the agreement: https://www.americanexpress.com/content/dam/amex/us/staticassets/pdf/cardmember-agreements/schwab-investor-card/schwab-investor-card-07-18-2019.pdf
I’m not sure if many people have one of these, but I’m sure it will get an official mention if affected by the changes. There’s also a non-Platinum Morgan Stanley one that earns 1x MR and may have been discontinued, but I suspect those who carry this are few and far between as well.
Purchase protection was always 90 days for NY, so nothing new there.
Is MasterCard engaging in Price gouging? can they be sued?
How so?
Terrible!!!
Just wanted to say, thanks for this… great information as usual.
I agree- thank you Dan for a very informative post.
Thanks 🙂
Yes, informative and helpful.
Great post! Can you please add the annual fee to each card on the chart?
Done!
Wow! Thanks!
My pleasure 🙂
Citi effect
hey dan any cards other then amex w/o af that has return protection?
btw thanks for all you do!
https://www.dansdeals.com/credit-cards/chase-ultimate-rewards-premium-hybrid-card/
THANKS!
do you know if us bank cash 365 amex card is affected by all this?
It is not as that is not an AMEX issued card.
How does is it compare to make a return protection claim with Chase? Amex is relatively easy and they never ask for the product to be sent to them
Any cards besides the expensive sapphire reserve have roadside assistance?
So, now chase will be the last one standing with “free” roadside assistance (max 50 dollars), a real shame.
Platinum has a benefit to fly a cardholder home from travel in case of illness. Is that being removed?
That will remain.
I get roadside through Geico. Rarely use it, but in case of an emergency, I’d rather have it.
The extended warranty hurts though. I’ve been using Amex to buy cell phones just for the extended warranty; are there any other cards that offer two years of warranty protection?
Higher end Citi cards should still have it.
Anything with a low AF?
Amex didn’t give the full 2 years every time anyways. They only matched the manufacturer warranty up to two years. Most cell phones come with 1 year of warranty, so you shouldn’t be losing out by using another card with 1 year extended warranty. That said, if you need 2 years extra no matter what, paying an annual fee with Citi seems to be the only way.
Sad to see return protection go 🙁
This was one of my favorite Amex benefits, along with their amazing customer service.
Once this becomes effective, which card will be best (as a cheap non-premium option)?Seems like Everyday Preffered which is also amazing for grocery purchases…
Everyday Preferred and Blue Cash Preferred stand out as sweet spots for groceries and return protection.
Does the old spg business card have the same changes as current Marriot business?
I’ve added the Marriott/grandfathered SPG consumer card to the chart.
I was asking abt the business card. It has the same benefits as consumer?
The old SPG Business became Marriott Business. It’s the same card.
Thought it was different bec of the annual fee…
The fee went up to $125 earlier this year for new and renewing cardholders.
“American Express tells me that lesser utilized benefits, such as travel accident insurance and roadside assistance, are being eliminated from all cards.”
Have they ever released any data showing that these benefits aren’t utilized much? My guess is they probably were losing a lot of money on it, but to save face to their customers, they’re claiming it’s not utilized much.
Anyone remember back in the day when the AmEx Platinum card gave a free companion ticket. That too, was cancelled b/c of what they claimed wasn’t being utilized.
I don’t buy it!
Just because something isn’t being utilized by many members, doesn’t mean there isn’t a high cost to provide it.
Foe some people it will make sense to have both Platinum Cards and they use the RP benefit
There are cheaper cards that have return protection as well.
Amex just offered me a $250 upgrade offer for Everyday to Preferred for 2K spend. Good timing for this RP. They also have offered 2.5K for each AU up to 4. May be good to do that as well, if it actually extends out this RP to $1K/AU.
Dan- the cards that have return protection- can you add an additional care member at no cost and then have 2 cards that have that benefit?
Yes, but they would still share the same $1,000/card annual cap. You don’t get another $1,000 for AUs.
Has it always been that way that the $1k limit combines all AUs or is that part of the new change?
As far as I know, it’s always been shared. But correct me if I’m wrong here.
You are wrong, it’s split for AUs.
Hugh, what? You are saying each AU gets i’ts own $1K?
I am not sure what you mean by the phrase “it’s split for AUs.”
Split implies split up, like you split the $1K among the AU/Card holder. But you are saying Dan is wrong for saying it is shared.
I guess you are saying it is a separate $1K for each AU. Wow, I never considered that possibility.
I wonder if you need then to have a separate sign in for the AU so they can file the return protection under their number instead of the primary?
Business platinum will cover 1,500 on objects stolen in your car. (Perhaps the consumer also). This personal items stolen in a car – say your tefillin. Learnt the hard way that it’s with the business platinum and not on the Hilton etc.
I would suggest you add that into your comprehensive over view.
Dan wrote that theft was included. Of course it would only apply if you bought the tefillin with the Amex Plat and only (from oct 1) if stolen within 90 days of purchase. Dan writes that it applies to mult cards not just Biz Plat.
Read again. I was specifically referring to personal items stolen in an a rental car break in. PAST 90 DAYS. Irrelevant of the 90 days. 2 years for that matter.
I’m not familiar with that coverage. Do you have a link with more information?
https://www.americanexpress.com/us/credit-cards/features-benefits/policies/car-rental-insurance/faq.html
See Second number 4..
For Platinum Card® and Delta Reserve Card Members, Car Rental Loss and Damage Insurance can provide coverage of up to $75,000 for theft of or damage to the rental vehicle. It can also provide secondary coverage for covered medical expenses* incurred as a result of an accident while riding in or getting into or out of the Rental Vehicle by the Card Member, Authorized Driver, or Passenger of up to a maximum of $5,000 per person. It also provides secondary personal property coverage within the Rental Vehicle of up to $1,000 for the Card Member and Passenger, while the total coverage for all occupants is $2,000. It also provides accidental death and dismemberment benefits of $200,000** for the Card Member, and $20,000** for each Authorized Driver and Passenger.
Correction from my original post: $1000 per person, $2000 Total. If you have have no rental insurance etc, this really can save you..
Good to know, but it is secondary coverage. You would probably first have to file a claim with your homeowner’s insurance to see what they would cover.
Yes. If you own a home… And its not much different than filing with your car insurance for them to cover damages as a secondary.
Amex’s strategy on the Gold is mind-boggling. The trip-delay benefit is worse than the $95 Chase Sapphire Preferred and the return protection is being stripped. Genuinely don’t understand what they are thinking.
I have an interesting Q, if anyone has any insight. I purchased the Google Pixel 3XL with the Google Fi deal you posted, and got back the $900 as a gift card. Then, it got scratched. I filed for purchase protection and they just refunded the whole $900. I have been using it since, but now the screen cracked, can I wait out the manufacturer warranty, and file for AMEX extended warranty to replace the screen ($300)? Or since they already refunded it, I don’t have any more protections on it? Secondly, all purchases made before 1/2020 still have the 2 yr warranty, correct?
Why would they pay more when they already refunded you in full?
Anything bought before 1/1/20 has up to 2 years-it matches the manufacturers warranty.
I guess I am wondering if purchase protection and extended warranty are two different entities, and if my phone is still covered even after it was refunded for purchase protection.
Try and let us know, but I’d be surprised if it was covered.
I chatted in and they said “yes both are completely separate entities” I guess ill have to wait till November when my google warranty expires to find out. ill keep you posted. , then again he told me i don’t need to wait for the warranty to expire, so he probably doesn’t know what he is talking about.
If I’m not mistaken, the extended warranty extends only what is covered in the original warranty. If Google doesn’t cover cracked screens, I believe officially amex rp won’t either.
so the extended warranty did in fact cover the phone that was originally refunded via Purchase Protection, but as WAM said, not the screen. so they covered the broken speakers, and did not pay for the broken screen that was on the repair quote as well.
i just booked multiple legs on norwegian and whizz air otw to israel and now the last leg on norwegian cancelled me can the credit card rebook me on another flight?
american express and chase ink preferred
Thanks for the clear info. Losing return protection is a real bummer as it was 1 of the main reasons I held on to my AMEX cards.
if i booked a flight on the amex platinum today I dont have trip cancellation insurance/ or trip interruption? with all that money I pay for an annual fee? and comes 2020 is it better to book whatever you need and when you get home from your vacation to haggle with them afterwards or to inform them what happened first? as i dont want to patchka while i am on vacation
Dang it! I have NEEDED the Roadside assistance twice this year and it was a life-saver both times! This really affects my thinking on the Platinum card.
While the Amex changes are not as horrendous as Citibank, it appears to be a trend. Like a race to the bottom. Will Chase follow? There are some Chase cards that are Mastercards.
The blue cash and the everyday card at $95 gave return protection, but the gold card which cost $250 is having the benefit removed and the card is hardly worth the $250 with not much perks!
You could always have “an accident” with the product and file a purchase protection claim.
Does amex warranty cover custom made computers?
For the return protection benefit (I have the American Express Gold), can I file a claim after 1/1/2020 as long as I make the purchase before 1/1/2020?
Yes.
Will they retroactively still honor claims? i.e. if I make a purchase now with a card that has extended warranty and the policy changes on January 1st, am I still covered?
Any info on the Lowes Business card? I guess I can assume it will be the same as both Blue Business cards in terms of changes to benefits?
Are there any updates for the American Express Amazon Business Card? I was expected some updates on 10/1 but it looks like they haven’t released anything yet.
Fees thru the roof and perks taken away after 33 years with them.
What a thank you!….Hello Visa!
I learned the hard way that delta gold for consumers does NOT include baggage insurance. Please update your post.
It covers lost and damaged baggage.
Amex Green AF going up to $150.
Have you found out if they are reducing amazon amex business?
What business card is similar to the Amex everyday preferred? The $95 annual fee is fine if the business card has the return protection and the extended warranty
For the return protection benefit (I have the American Express Everday), if I made a purchase today (12/2), , can I file a claim after 1/1/2020 to count as eligible?
Yes.
150 for the green card is highway robbery
Seems like these credit card trip insurances don’t cover medical expenses abroad, which can be very costly.
Policies are very cheap for travel medical for most people, have bought 2 in the last 2 months, for up to $50K covered for 2 people was under $25 for the whole trip. You can compare what you need on insuremytrip
Any news on benefit changes with the Amazon card?
What about Centurion personal?
Will airline fee credit work to reinstate expired UA miles?? @Dan?
What about the 10 gogo inflight passes, I think amex is canceling that too
https://www.dansdeals.com/credit-cards/amex-business-platinum-card-losing-3-benefits-2020/
This isn’t clarified by Amex. Trip Delay, etc., is it applying to PURCHASES on or after 01/01/2020 or flights/etc. FLOWN/ETC. on or after 01/01/2020. It’s rather vague on their side.
I am now putting away my master card from good and will start using way more my amex gold card
What card is best for the following: Car rental insurance for an American Israeli? if I rent and put that person as secondary driver, is he covered?
How can your credit card source claim that not many people use the rental car insurance. I’m using it every time I rent a vehicle even though I’ve never had a damage issue. It allows me to skip the very high damage waiver fee. I’m sure that’s the most used travel benefit from everyone.
What time zone is cutoff for Amex charges?
whats the difference between the blue cash preferred and everyday preferred cards?
Blue Cash is cash back
EveryDay Preferred gets you points – and its a pretty good system with the 3X, 2X, and 50% bonus with 30 transactions – that’s 4.5 points on supermarkets …
Just signed up for AAA roadside plan for the first time in years. Any free roadside benefit cards still out there?
I used the Amex premium roadside assistance a few days ago and they were absolutely horrible. I ended up calling my local facility direct and demanded a refund from Amex. Obviously they are winding this office down.
Dan, can you put a compare box, where I can select the cards I carry ?
What about the Amex Zync card
Dan I have been on the phone with different Amex departments for a long time trying to confirm if the ‘business gold rewards card’ -which is a card that is no longer available the current one is called ‘business gold card’ and has a much higher annual fee’- still has the return protection and they all confirmed that it does, and only the new one doesn’t, although they also mentioned that its not certain untill when current customers would be able to hold on to the card. Anyway can you confirm this? Since I don’t think you mentioned anything about the diffence of these 2 cards.
Thanks
What about the Amex Airline Fee Credit. Was that affected at all?
Just a heads up, those that have either Centurion or Amazon American Express will have Premium Roadside Assistance until January 31st. This was confirmed by the IVR when you call AMEX Roadside. Just FYI, if you do not have one of those card types, there are no exceptions, AMEX Roadside is not available.
How do you know the Aspire has loss protection in addition to damage and theft? Whenever I search up AMEX benefits they only mention Gold and Platinum as having this perk?
Chiming in here with a “now what?” question…
Now that Return Protection is gone from most Amex cards, what is the ideal card to use for online return protection?
(ex – I used to use my SPG card exclusively online purchases (also for SPG stays/redemption) for both the return protection as well as for the ease of spotting potential scamming)
Also (this may be asking for something that doesn’t exist anymore), does a “middle/lower” priced card with worthwhile points and return protection exist?
can anyone confirm that they removed these benefits ? it seems all amex cards are still covered for return protection
Do any amex cards have primary rental coverage without registering premium
No
It looks like Amex added the return protection benefit to their 2 Amazon Business cards. They don’t have an AF
Those have always had return protection and were the only no annual fee cards that didn’t lose it.
Just got a letter from Amex. Annual fee on Business Gold is going up to $295 starting 11|1/21. I will cancel before my next membership renewal date. Have switched almost all my spending to business and personal 2% cash back cards with no fee. KISS Amex goodbye. Sold all my Amex stock, too.