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The 8 Best Credit Cards for Return Protection [2024]

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Most people open rewards cards for the primary benefit of earning and redeeming points on everyday purchases. But did you know many cards have added perks, like complimentary travel insurance and shopping protections?

If a merchant won’t accept your return, or you’ve just missed the window to do so, filing a claim with your credit card’s return protection may be another way to get refunded. However, return protection is a useful benefit that is becoming increasingly harder to find.

In this guide, we’ll review the best credit cards with return protection and the steps to filing a successful claim.

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Best Cards for Return Protection

How Does Return Protection Work?

Return policies can vary greatly depending on the item and store. For example, Nordstrom is famously known for having one of the most generous policies, “[handling] returns on a case-by-case basis with the ultimate goal of making [its] customers happy.” You may not be so fortunate at other stores and stuck with a stringent no-returns policy.

Whatever the case, return protection is a valuable benefit that allows you to have a second option: turning to the credit card issuer for reimbursement. Depending on the card you have, return protection allows you to have up to 90 days from the date of purchase to file a claim with the issuer instead.

Of course, there are some items that won’t qualify and some maximum coverage limits you should know about. Below, we’ll go through some of the most popular credit cards that offer return protection and the fine print details to go along with it.

The 8 Best Cards for Return Protection — Summary

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CardWelcome Bonus Offer and Annual FeeReturn Protection Coverage
Chase Sapphire Reserve®
Chase Sapphire Reserve®
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
  • Annual fee of $550
  • Up to $500 per item, up to a maximum of $1,000 per calendar year per card account
  • Coverage within 90 days of purchase
The Platinum Card® from American Express
The Platinum Card® from American Express
  • Earn 80,000 points after spending $8,000 on purchases in the first 6 months.
  • Annual fee of $695 (rates & fees)
  • Up to $300 per item, up to a maximum of $1,000 per calendar year per card account
  • Coverage within 90 days of purchase
Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card
  • Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months.
  • Annual fee of $395 (rates & fees)
  • Up to $300 per item, up to a maximum of $1,000 per calendar year per card account
  • Coverage within 90 days of U.S. purchase
Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
  • Earn a $250 statement credit after spending $3,000 in purchases in the first 6 months.
  • $0 intro annual fee for the first year, then $95 (rates & fees)
  • Up to $300 per item, up to a maximum of $1,000 per calendar year per card account
  • Coverage within 90 days of purchase
United Club℠ Infinite Card
United Club℠ Infinite Card
  • Earn 80,000 bonus miles after spending $5,000 on purchases in the first 3 months.
  • Annual fee of $525
  • Up to $500 per item, up to a maximum of $1,000 per calendar year per card account
  • Coverage within 90 days of purchase
Delta SkyMiles® Reserve American Express Card
Delta SkyMiles® Reserve American Express Card
  • Earn 60,000 miles after you spend $5,000 in purchases in the first 6 months.
  • Annual fee of $650 (rates & fees)
  • Up to $300 per item, up to a maximum of $1,000 per calendar year per card account
  • Coverage within 90 days of U.S. purchase
The Business Platinum Card® from American Express
The Business Platinum Card® from American Express
  • Earn 120,000 points after you spend $15,000 on purchases in the first 3 months.
  • Annual fee of $695 (rates & fees)
  • Up to $300 per item, up to a maximum of $1,000 per calendar year per card account
  • Coverage within 90 days of purchase
The Plum Card® from American Express
The Plum Card® from American Express
  • No welcome offer available.
  • Annual fee of $250 (rates & fees)
  • Up to $300 per item, up to a maximum of $1,000 per calendar year per card account
  • Coverage within 90 days of U.S. purchase

The 6 Best Personal Cards for Return Protection

Return protection is a perk that’s increasingly harder to find, as Chase removed the benefit on most of its cards in 2020. Nowadays, you’ll mostly find return protection on more premium cards, which usually come with high annual fees.

We’ve reviewed a range of cards that have return protection, and they’re the best in this category as they have high coverage limits and a breadth of other shopping protections that can cover your bases on routine or household purchases. You’ll be eligible for return protection if you buy an item in full, partially, or even with points with any of these credit cards.

Chase Sapphire Reserve Card (Best for Premium Travel & Top Return Protection Coverage)

Chase Sapphire Reserve®

Chase Sapphire Reserve®

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

Learn More(at Chase's secure site)

Chase Sapphire Reserve®

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel.
60,000 points
$1,200
$550
22.49%-29.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

Pros

  • 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
  • 10x points on Lyft purchases March 31, 2025
  • 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
  • 5x points on airfare booked through Chase TravelSM
  • 3x points on all other travel and dining purchases; 1x point on all other purchases
  • $300 annual travel credit
  • Priority Pass airport lounge access
  • TSA PreCheck, Global Entry, or NEXUS credit
  • Access to Chase Luxury Hotel and Resort Collection
  • Rental car elite status with National and Avis

Cons

  • $550 annual fee
  • Does not offer any sort of hotel elite status
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
  • Member FDIC

Financial Snapshot

  • APR: 22.49%-29.49% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Chase Ultimate Rewards

The Chase Sapphire Reserve card is the issuer’s most premium offering and tops our list as one of the best credit cards for return protection.

While most policies reimburse items that a store won’t take back for up to 90 days, the Chase Sapphire Reserve card offers a generous reimbursement limit of up to $500 per item. That’s $200 more than the average return protection coverage we’ve seen on other cards! In addition, there’s an annual maximum of $1,000 per account with the Chase Sapphire Reserve card.

You’ll earn valuable Ultimate Rewards points on every purchase, but don’t forget to go one step further by taking advantage of the Shop through Chase portal. You can earn additional points from hundreds of popular retailers through this shopping portal which you can then transfer to several hotel and airline loyalty programs, redeem for cash-back and gift cards, and more.

Amex Platinum Card (Best for Lounge Access & Premium Benefits)

BEST LOUNGE ACCESS
The Platinum Card® from American ExpressTerms Apply / Rates & Fees

The Platinum Card® from American Express

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Learn More(at Amex's secure site)

The Platinum Card® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on the Card in your first 6 months of Card Membership.
80,000 points
$1,760
$695
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros

  • The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
  • 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
  • 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
  • Annual and monthly statement credits upon enrollment (airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit)
  • TSA PreCheck or Global Entry credit
  • Access to American Express Fine Hotels and Resorts
  • Access to Amex International Airline Program
  • No foreign transaction fees (rates and fees)

Cons

  • $695 annual fee (rates and fees)
  • Airline credit does not cover airfare (only incidentals like checked bags)
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
  • $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
  • $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.

Financial Snapshot

  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

If you’re eyeing a luxury rewards card, the Amex Platinum card fits the bill nicely. With the return protection benefit on this card, coverage is also offered for up to 90 days from the date of purchase. You can receive up to $300 per item and a $1,000 maximum per card member account each year.

In fact, the Amex Platinum card is one of our favorites when making large purchases, whether a major home improvement project or an expensive pair of shoes. You’ll want to check your account’s Amex Offers, which you can enroll in to save on travel, dining, entertainment, and so much more. Other shopping benefits on the Amex Platinum card include purchase protection and an extended warranty, with high coverage limits to boot.

Capital One Venture X Card (Best for Premium Benefits & Travel Insurance)

Capital One Venture X Rewards Credit CardTerms Apply / Rates & Fees

Capital One Venture X Rewards Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
75,000 miles
$1,350
$395
19.99% - 29.99% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-840)

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

 

Pros

  • 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
  • 5x miles per $1 on flights purchased through Capital One Travel
  • 2x miles per $1 on all other purchases
  • $300 annual travel credit on bookings made through Capital One Travel
  • Unlimited complimentary access for cardholder and 2 guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • 10,000 bonus miles awarded on your account anniversary each year
  • Global Entry or TSA PreCheck credit
  • Add authorized users for no additional annual fee (rates & fees)
  • No foreign transaction fees (rates & fees)

 

Cons

  • $395 annual fee (rates & fees)
  • Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status

 

  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®

Financial Snapshot

  • APR: 19.99% - 29.99% (Variable)
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Capital One Miles

 

The Capital One Venture X card is a happy middle-ground between an ultra-premium and an everyday credit card. It also comes with complimentary return protection on eligible items if the store won’t accept your return and you submit a claim within 90 days of purchase. You can be reimbursed up to $300 per item and up to $1,000 annually per account.

What we also love about this card is that it offers 2x miles on all non-bonus purchases. That’s on top of earning 10x miles on hotels and rental cars and 5x miles on flights (which must all be booked through the Capital One Travel portal).

We value Capital One miles at 1.8 cents apiece thanks to their flexibility with Capital One transfer partners for award travel, so that’s like getting a 3.6% return on your everyday purchases. Having return protection on top of that is just the cherry on top.

Amex Blue Cash Preferred Card (Best for Cash-Back)

HIGHEST CASH BACK
Blue Cash Preferred® Card from American ExpressTerms Apply / Rates & Fees

Blue Cash Preferred® Card from American Express

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.

Learn More(at Amex's secure site)

Blue Cash Preferred® Card from American Express

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$250
$0 intro annual fee for the first year, then $95.
19.24%-29.99% Variable,0% on purchases for 12 months
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Blue Cash Preferred® Card from American Express is a stellar cash-back credit card for those looking to maximize every purchase they make.

With bonus categories like U.S. supermarkets, select streaming services, U.S. gas stations, and transit purchases, this card rewards you for the items you spend the most on in a big way! For those looking to earn up to 6% cash-back on their purchases, this could be the card for you!

Pros

  • 6% cash-back at U.S. supermarkets (up to $6,000 per year) and on select streaming services
  • 6% cash-back on select U.S. streaming subscriptions
  • 3% cash-back on U.S. gas stations and transit (including rideshares, parking, etc.)
  • 1% cash-back on all other purchases

Cons

  • $0 intro annual fee for the first year, then $95 annual fee (rates and fees)
  • Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations.
  • 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
  • Terms Apply.

Financial Snapshot

  • APR: 19.24%-29.99% Variable,0% on purchases for 12 months
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Card Categories

Rewards Center

Redeem cash-back through your American Express account

If you would rather earn cash-back, the Amex Blue Cash Preferred card is an excellent earner across heavy-hitting categories. You’ll earn 6% on groceries (up to $6,000 per year in purchases at U.S. supermarkets) and select U.S. streaming subscriptions, 3% on transit and U.S. gas stations, and 1% on all other eligible purchases.

It’s also one of the few affordable cards that offer return protection, which is certainly hard to come by nowadays. The Amex Blue Cash Preferred card has a $0 intro annual fee for the first year, then $95. Still, you can receive up to $300 per item and an annual account maximum of $1,000 with the card’s return protection as long the purchase was made within 90 days.

United Club Infinite Card (Best Premium United Card & Top Return Protection Coverage)

United Club℠ Infinite Card

United Club℠ Infinite Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Perfect for frequent United flyers who want premium perks like United Club access and free baggage benefits.

Learn More(at Chase's secure site)

United Club℠ Infinite Card

Perfect for frequent United flyers who want premium perks like United Club access and free baggage benefits.
Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
Earn 80,000 bonus miles
$960
$525
21.99% - 28.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)

The United Club℠ Infinite Card is a premium card designed for the most dedicated of United frequent flyers who are looking for a card that provides the opportunity to earn extra United MileagePlus miles and receive lounge access via a yearly United Club membership.

United frequent flyers will find that the United Club Infinite card provides an enhanced experience on their United flights thanks to the money saved on each flight and the conveniences it provides.

Pros

  • 4x miles per $1 on United purchases
  • 2x miles per $1 on travel and dining purchases
  • Complimentary United Club membership
  • Free first and second checked bag for you and 1 traveling companion
  • United Premier Access
  • 25% back on United inflight purchases
  • Complimentary Premier Upgrades on United-operated award tickets (when available)
  • Expanded award availability
  • Up to 10,000 Premier Qualifying Points
  • $100 Global Entry/TSA PreCheck/NEXUS credit
  • Trip protections like trip delay insurance, lost and delayed luggage insurance, and rental car insurance
  • Shopping protections like return protection, purchase protection, and extended warranty protection
  • IHG One Rewards Platinum Elite status and a $75 annual credit
  • Avis President’s Club elite status
  • 10% discount on United Economy Saver Awards within the continental U.S. and Canada

Cons

  • $525 annual fee
  • Does not earn transferable rewards
  • Earn 80,000 bonus miles after qualifying purchases
  • Earn 4 miles per $1 spent on United® purchases
  • Earn 2 miles per $1 spent on all other travel and dining
  • Earn 1 mile per $1 spent on all other purchases
  • Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and Premier Access® travel services
  • 10% United Economy Saver Award discount within the continental U.S. and Canada
  • Earn up to 10,000 Premier qualifying points (25 PQP for every $500 you spend on purchases)
  • Member FDIC

Financial Snapshot

  • APR: 21.99% - 28.99% Variable
  • Foreign Transaction Fees: None

Card Categories

Do you live near a United Airlines hub and frequently fly with the carrier? For luxury perks like a yearly United Club membership, access to complimentary upgrades and priority boarding, and the opportunity to earn Premier Qualifying Points for elite status, the United Club Infinite card is an excellent choice.

As a Chase card, it comes with a long list of travel and everyday coverages — including return protection that covers eligible items within 90 days of purchase. You can be reimbursed up to $500 per item and up to $1,000 per year per cardholder account. Other important benefits include trip cancellation and interruption insurance, primary rental car insurance, extended warranty coverage, and more.

Delta Reserve Card (Best Premium Delta Card)

Delta SkyMiles® Reserve American Express CardTerms Apply / Rates & Fees

Delta SkyMiles® Reserve American Express Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Delta loyalists will love the fast track to Delta elite status, lounge access, baggage benefits, and upgrade priority with the Delta Reserve card.

Learn More(at Amex's secure site)

Delta SkyMiles® Reserve American Express Card

Delta loyalists will love the fast track to Delta elite status, lounge access, baggage benefits, and upgrade priority with the Delta Reserve card.
Earn 60,000 Bonus Miles after you spend $5,000 in purchases on your new Card in your first 6 months of Card Membership.
60,000 Bonus Miles
$720
$650
20.99%-29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Delta SkyMiles® Reserve American Express Card is a stellar option for frequent travelers who always fly with Delta thanks to its MQD Headstart towards status boost, lounge access, annual companion certificate, and many other great benefits.

Here is a full look at everything the Delta Reserve card can offer to you to help you decide whether the card deserves a place in your wallet.

Pros

  • 3x SkyMiles per $1 on Delta purchases
  • 1x SkyMile per $1 on all other eligible purchases
  • Card Members get 15% off when using miles to book Award Travel on Delta flights.
  • Receive $2,500 MQM each year and get closer to Status with MQD Headstart.
  • Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights to select destinations each year after renewal.
  • $240 Resy Credit: Earn up to $20 per month in statement credits on eligible Resy purchases upon enrollment.
  • $120 Rideshare Credit: Earn up to $10 back in statement credits each month on U.S. rideshare purchases with select providers upon enrollment.
  • Application fee credit for Global Entry or TSA PreCheck.
  • $200 Delta Stays Statement Credit: Earn up to $200 back in the form of a statement credit annually on eligible prepaid Delta Stays bookings on delta.com.
  • Access to Complimentary Upgrades and Upgrade Priority
  • Free checked bag
  • 20% back on inflight purchases

Cons

  • $650 annual fee (rates & fees)
  • No bonus categories other than Delta purchases
  • Earn 60,000 Bonus Miles after you spend $5,000 in purchases on your new Card in your first 6 months of Card Membership.
  • Enjoy complimentary access to the Delta Sky Club® and bring up to two guests or immediate family members at a rate of $50 per person per visit when flying Delta. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
  • Receive four Delta Sky Club® One-Time Guest Passes each year when you fly together on Delta. After that, you may bring up to two guests at a per-visit rate of $50 per person, per location.
  • Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
  • Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
  • Earn $1 Medallion® Qualification Dollar for each $10 of purchases made on your Delta SkyMiles® Reserve American Express Card in a calendar year and get a boost toward achieving elevated Medallion Status for next Medallion Year.
  • Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • $240 Resy Credit: With the Delta SkyMiles® Reserve American Express Card Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
  • $120 Rideshare Credit: You can earn up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Reserve American Express Card. Enrollment Required.
  • Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • With your Card receive upgrade priority over other Medallion Members within the same Medallion level and fare class.
  • Delta SkyMiles® Reserve American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
  • Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
  • No Foreign Transaction Fees.
  • $650 Annual Fee.
  • Terms Apply.

Financial Snapshot

  • APR: 20.99%-29.99% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Delta SkyMiles Airline Loyalty Program

On the flip side, if Delta is your carrier of choice, the Delta Reserve card may be just the one for you. It also comes with complimentary access to Delta Sky Club and even Amex Centurion Lounge when flying same-day with Delta, along with an annual companion certificate that can be worth hundreds of dollars.

Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.

As a premium Amex card, you can also access return protection on eligible items purchased within 90 days. The coverage limits offer up to $300 in reimbursement per item and up to $1,000 per account every year.

The 2 Best Business Cards for Return Protection

It’s even harder to find return protection on business cards, but you’ll want to ensure you have return protection to cover those large business expenses.

Amex Business Platinum Card (Best Business Card for Travel & Lounge Access)

OUR BEST OFFER
The Business Platinum Card® from American ExpressTerms Apply / Rates & Fees

The Business Platinum Card® from American Express

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Learn More(at Amex's secure site)

The Business Platinum Card® from American Express

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
120,000 points
$2,640
$695
19.49% - 28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Business Platinum Card® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Pros

  • 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
  • Up to $200 annual airline fee credit on your selected qualifying airline
  • Statement credits on select purchases with your card
  • 35% airline bonus when using Pay With Points (up to 1,000,000 bonus points per calendar year)
  • Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
  • Global Entry or TSA PreCheck application fee credit
  • Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
  • Access to Amex’s Fine Hotels & Resorts program

Cons

  • High annual fee of $695 (rates and fees)
  • Airline fee credit does not cover airfare, only incidentals like checked bags
  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
  • 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
  • $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
  • $695 Annual Fee.
  • Terms Apply.

Financial Snapshot

  • APR: 19.49% - 28.49% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

The Amex Business Platinum card is an exceptional offering for high-earning business owners and sole proprietors. With the card’s return protection, you can receive a reimbursement of up to $300 per item and a maximum of $1,000 per cardmember account per calendar year.

You’ll earn 5x Membership Rewards points on flights and prepaid hotels (booked through AmexTravel.com), 1.5x points on eligible purchases at U.S. construction material and hardware suppliers, electronic goods retailers and software and cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else (up to $2 million of these purchases per calendar year). You’ll still earn 1x points on all other eligible purchases.

Finally, there are annual statement credits of more than $1,000 that cardholders can use for their business, including select purchases at Dell Technologies, Indeed, Adobe, and U.S. wireless service providers (enrollment may be required for some benefits).

Amex Plum Card (Best Business Card for Cash-Back)

The Plum Card® from American ExpressTerms Apply / Rates & Fees

The Plum Card® from American Express

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Instead of normal cash-back, get an unlimited 1.5% discount when you pay early for eligible days within 10 days of your statement closing date. The discount will be applied to your next statement when you pay at the least the Minimum Payment Due by the Please Pay By date.

Learn More(at Amex's secure site)

The Plum Card® from American Express

Instead of normal cash-back, get an unlimited 1.5% discount when you pay early for eligible days within 10 days of your statement closing date. The discount will be applied to your next statement when you pay at the least the Minimum Payment Due by the Please Pay By date.
No Welcome Offer
No Welcome Offer
$0
$250
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-840)

Cash flow can be unpredictable. Sometimes you can pay bills right away, and other times it may be easier to wait. Either way works out in your favor with The Plum Card® from American Express!

With this card, you can pay your bill early and get an unlimited 1.5% Early Pay Discount on eligible charges within 10 days of your statement closing date. You’ll see the discount applied to your next statement when you pay at the least the Minimum Payment Due by the please pay by date. Alternatively, you can take up to 60 days to pay with no interest, when you pay your minimum due by the payment due date.

For those who run seasonal businesses or whose incoming cash flow is unpredictable, the card can provide you with payment alternatives that most other cards don’t.

  • Paying early pays off: get an unlimited 1.5% Early Pay Discount on eligible charges within 10 days of your statement closing date and see the discount applied to your next statement when you pay at the least the Minimum Payment Due by the Please Pay By date.
  • Take up to 60 days to pay with no interest‡, when you pay your minimum due by the Payment Due Date.
  • Use the power of the Plum Card to buy big for your business.
  • No Foreign Transaction Fees.‡
  • Terms & Restrictions Apply.

Financial Snapshot

  • Foreign Transaction Fees: None

Card Categories

Rewards Center

There is no special rewards center for this card; the cash-back earned will be applied directly to your next statement when you pay at the least the Minimum Payment Due by the Please Pay By date.

The Amex Plum card is a unique business card that provides an unlimited 1.5% discount when you pay your statement early — within 10 days of the closing date. It’s also a terrific card for financing, as you can take up to 60 days to pay your statement without interest (when you pay your minimum by the payment due date).

If your cash flow ebbs and flows, the Amex Plum card can be the right fit for many business owners. On top of all that, eligible purchases may qualify for return protection. You can get up to $300 in reimbursement per item, with an annual maximum of $1,000 per account.

How Long Are My Purchases Covered?

Credit card return protection generally covers purchases for up to 90 days from the date of purchase, extending the return window for many stores you already shop at. To qualify for reimbursement, the merchant must refuse your return before you try to file a claim with the issuer.

How Much Coverage Can I Expect To Receive?

The coverage limits will vary by credit card. However, the best return protection we’ve seen is offered by the Chase Sapphire Reserve card and the United Club Infinite card — both offer up to $500 in reimbursement per item.

There’s also an annual limit that applies per account — not per card. This is an important distinction, as you’ll only receive up to $1,000 in reimbursement per year, per account.

Finally, return protection is typically secondary. This means that you’ll likely need to show a proven attempt that you’ve tried to return the item with the merchant before you file for a return protection claim on your credit card.

Which Items Are Excluded?

While return protection is a fantastic perk to have, there are exclusions to note. While this is not a fully encompassing list of items that are excluded from coverage, here are some examples:

  • Animals and living plants
  • Boats, aircraft, automobiles, or any other motorized vehicles and their parts
  • Books, magazines, maps
  • Cash, traveler’s checks, event tickets, credit or debit cards
  • Computer software
  • Damaged or non-working items (you’ll want to file for purchase protection or extended warranty instead)
  • Firearms
  • Formal attire
  • Items purchased for resale or altered in any way
  • Items purchased outside of the U.S.
  • Jewelry, art objects, antiques, collectibles
  • Medical equipment
  • Perishable, consumable, and limited-life items
  • Real estate and items that are intended to become part of real estate
  • Seasonal items
Bottom Line:

It’s best to confirm whether your purchase is eligible for return protection by reading through the terms and conditions of your credit card’s benefits guide.

Tips for Filing a Return Protection Claim

Once you confirm that your merchant won’t accept your return and it’s within the 90-day window of purchase, here are some ways to ensure that your return protection request is successful:

  1. Verify that your merchant won’t accept your purchase. It’s best to get this in writing or via email to provide as supporting documentation for your claim.
  2. Gather the right receipts. Be sure to have a picture of your original store receipt, a copy of the charge on your statement credit, and any other items that can help support your claim (such as the store’s return policy).
  3. Submit the completed claim form within 30 days of the initial filing. Once your documents are submitted, you’ll be notified of the next steps. You may need to send the item back to the benefits administrator for further evaluation to ensure that it’s in good or working condition.
Hot Tip:

If your claim is approved, you’ll receive a reimbursement up to the coverage limits as a statement credit, minus any shipping or handling fees.

How To Find the Terms and Conditions of Your Return Protection Coverage

Not sure if your card offers return protection, or you want to confirm the coverage limits and exclusions on your policy? You’ll want to dig out the benefits guide detailing all the terms and conditions of the return protection. You can try accessing your benefits guide through your online account or call the customer service line on the back of your card.

Return protection is one of the best shopping coverages offered by credit cards, but there are plenty of other benefits to familiarize yourself with:

  • Extended Warranty — Coverage extends the manufacturer’s warranty by up to 1 to 2 years, depending on the credit card
  • Purchase Protection — Receive reimbursement for items that are lost, stolen, or damaged within the first 90 days of purchase
  • Cell Phone Protection — Protects against theft or damage when you pay your monthly wireless bill with your card
  • Price Protection — If the price of an item goes down after you purchase it, coverage reimburses you the difference

Final Thoughts

Credit cards provide immense value, especially when you take advantage of “hidden” perks like return protection.

Next time you’re purchasing a high-ticket item, it’s best to use one of the credit cards above to pay for your purchase. That way, you can be covered if an item you purchase doesn’t meet your expectations.


For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

For the return protection benefit of The Platinum Card® from American Express, Delta SkyMiles® Reserve American Express Card, Blue Cash Preferred® Card from American Express, The Business Platinum Card® from American Express, and The Plum Card® from American Express, with return protection, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details.

The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the The Amex EveryDay® Preferred Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Hilton Honors American Express Aspire Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of The Business Platinum Card® from American Express, click here.
For rates and fees of the Blue Cash Preferred® Card from American Express, click here.
For rates and fees of Delta SkyMiles® Reserve American Express Card, click here.
For rates and fees of The Plum Card® from American Express, click here.
For rates and fees for the Delta SkyMiles® Reserve Business American Express Card, click here.
For rates and fees of the Marriott Bonvoy Brilliant® American Express® card, click here.

Frequently Asked Questions

How does return protection work?

Return protection is a complimentary insurance benefit offered by some credit cards. Cardholders can file for reimbursement under their credit card issuer if the merchant doesn’t take back their purchase, typically within 90 days of purchase.

Does Amex still have return protection?

Yes! American Express offers return protection on many of its cards, including:

How do you use return protection?

If you attempt to return an item to the original merchant and they won’t take it back, you can file a return protection request with your credit card if the purchase was made within 90 days. You’ll need to provide your original store receipt and charge on your statement credit to receive reimbursement.

What is the difference between return protection and purchase protection on American Express?

If your merchant won’t take back your purchase that’s in good, working condition, you can receive reimbursement through return protection within 90 days from the date of purchase. On the other hand, if an item you purchase gets lost, damaged, or stolen within the first 90 days of purchase, you can turn to purchase protection for replacement or reimbursement of the item.

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About Stella Shon

With a degree in media and journalism, Stella has been in the points and miles game for more than 6 years. She most recently worked as a Corporate Communications Analyst for JetBlue. Find her work in The New York Times, USA Today, and more.

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