The Best Chase Cards for Purchase Protection Benefits [2024]

These days, credit cards come with lots of bells and whistles like points-earning capabilities, lounge access, hotel elite status, and travel insurance coverage.

Some of the lesser-known benefits of Chase cards are the protections that come complimentary for eligible purchases you make with your card. While coverages differ, depending on the card, every Chase card provides some level of protection.

In this post, we’ll look closer at the benefits your Chase credit card offers for consumer and business purchases. We’ll talk about how purchase protection, extended warranty, return protection, and cell phone protection work, and how to utilize these benefits.

Stay with us as we cover each of the protections you can expect on your Chase card.

Or, if you’re in a hurry, you can scroll to the bottom of the page to see a quick reference guide of which popular Chase cards offer a specific benefit.

Chase Purchase Protection

Purchase protection provides reimbursement or repair for an item purchased with your card in the event of theft or accidental damage. Purchase protection is very common — in fact, every Chase credit card offers it!

What Qualifies for Purchase Protection

To qualify for purchase protection, at least part of your purchase needs to be made with your Chase credit card (or points from the account associated with your credit card).

If the item you purchased is stolen or accidentally damaged within 120 days from the date of purchase, you may receive a replacement, repair, or reimbursement for your item at the discretion of the benefits administrator.

The amount of coverage you have is based on your specific card with limits capped by claim and account. You will only be reimbursed to replace or repair the item up to the dollar amount spent or your card’s claim limit, whichever is smaller.

Here are some examples of popular Chase credit cards that offer coverage of up to $500 per claim and $50,000 per account:

Chase credit cards offering higher coverage limits of up to $10,000 per claim and $50,000 per account include:

What Doesn’t Qualify for Purchase Protection

The following items do not qualify for purchase protection, even if they are purchased using a valid Chase credit card (according to the Chase Guide to Benefits).

• Animals and living plants
• Antiques and collectible items
• Boats, aircraft, automobiles, and any other motorized vehicles and their motors, equipment, or accessories, including trailers and items that can be towed by or attached to any motorized vehicle
• Computer software
• Items purchased for resale, professional, or commercial use
• Items that mysteriously disappear; “mysterious disappearance” means the vanishing of an item in an unexplained manner when there is an absence of evidence of a wrongful act by a person or persons
• Items under the care and control of a common carrier (including U.S. Postal Service, airplanes, or delivery service)
• Items including, but not limited to, jewelry and watches from your baggage unless it is hand-carried and under your personal supervision, or under the supervision of your traveling companion who is previously known to you
• Losses resulting from abuse, fraud, hostilities of any kind (including, but not limited to, war, invasion, rebellion, insurrection, or terrorist activities), confiscation by the authorities, risks of contraband, illegal activities, normal wear and tear, flood, earthquake, radioactive contamination, or damage from inherent product defects
• Losses resulting from non-delivery or voluntary parting with the property
• Medical equipment
• Perishables and consumables, including but not limited to perfumes, cosmetics, and limited-life items such as rechargeable batteries
• Traveler’s checks, cash, tickets, credit or debit cards, and any other negotiable instruments
• Used or pre-owned items

How To Submit a Claim

To submit a claim for purchase protection, call 888-320-9656 within 90 days of the accidental damage, theft, or loss. The agent will send you a form to fill out that needs to be completed within 120 days from the damage, theft, or loss.

You might be asked to supply some or all of the following documents, plus any additional documentation deemed necessary by the benefit administrator:

• Your completed and signed claim form
• A copy of your card receipt
• A copy of the itemized store receipt
• Documentation linking the purchase back to your credit card account must be included if more than 1 method of payment was used
• A copy of the police report (made within 48 hours of the occurrence in the case of theft), fire report, insurance claim, or loss report
• A copy of your insurance declaration page
• Documentation of any other settlement of the loss
• If your claim is regarding a damaged item, you might be asked to send the item to the benefits administrator at your own expense

You should be notified within 15 days of receipt and approval of all required documentation if your item is going to be repaired or replaced.

If you are going to receive a reimbursement, you will generally be notified within 5 days of receipt and approval of all required documentation.

Bottom Line: Chase purchase protection is currently offered on every Chase credit card and provides reimbursement or repair for an eligible item purchased with your card in the event of theft or accidental damage. The amount of coverage offered varies by credit card.

Extended Warranty Protection

Chase extended warranty coverage increases the original manufacturer’s written U.S. warranty of an item by 1 year.

To be eligible, the original warranty needs to be less than 3 years in duration, and at least part of the item needs to have been purchased using the eligible credit card or points earned on that credit card.

Each claim has a $10,000 maximum, and each account has a maximum of $50,000.

Chase Credit Cards That Come With Extended Warranty Protection

You can expect to find extended warranty coverage on these Chase personal credit cards:

Examples of Chase business credit cards that come with extended warranty protection include:

What’s Not Covered

Return Protection

Return protection is only offered on the Chase Sapphire Reserve card, United Club Business card, and United Club Infinite card.

If you are unhappy with an item you purchased entirely on a card that has return protection and the store won’t take the merchandise back, you may be eligible for reimbursement for the cost of the item.

Call 888-880-5844 within 90 days of your purchase to file a claim. This benefit is limited to $500 per item and $1,000 annually.

You will be required to send the item (in like-new/good working condition) to the benefits administrator to receive reimbursement.

As with the other benefits, there are many items that aren’t included:

• Animals and living plants
• Boats, automobiles, aircraft
• Computer software
• Formal attire
• Items purchased for resale, professional, or commercial use
• Items purchased outside of the U.S.
• Items upon which alterations have been made
• Jewelry, art objects, rare or precious coins or stamps, antiques, and collectible items
• Medical equipment
• Perishables, consumables, and limited-life items
• Real estate and items which are intended to become part of real estate, including, but not limited to, items that are hard-wired or hard-plumbed, garage doors, garage door openers, and ceiling fans
• Seasonal items including, but not limited to, holiday decorations

For a full list of what is not included in the return protection benefit, see the Chase Guide to Benefits.

Bottom Line: Return protection offers reimbursement for an item that you are unhappy with and the store will not take it back within 90 days of purchase. It’s only offered on 3 Chase credit cards: Chase Sapphire Reserve card, United Club Business card, and United Club Infinite card.

Cell Phone Protection

Cell phone protection is offered by 2 Chase cards, the Ink Business Preferred card and the Freedom Flex card.

This benefit will reimburse you for damage, theft, or “involuntary and accidental parting” of any eligible cell phones linked to your account.

These only include the phone lines listed on your most recent bill before the theft/damage occurred, and your bill must be charged to your card.

The Ink Business Preferred card has a $100 deductible per claim and a maximum of 3 claims per year. Each claim is capped at $1,000 (or the phone’s purchase price, whichever is less), and there is a limit of $3,000 in claims per 12-month period. The Freedom Flex card has a $50 deductible per claim and a maximum of 2 claims per year, with each claim capped at $800, with a yearly limit of $1,000.

This benefit does not cover all scenarios. Things that aren’t covered include:

• Cellular wireless telephone accessories other than standard battery and/or standard antenna provided by the manufacturer
• Cell phones purchased for resale
• Cell phones that are lost or “mysteriously disappear,” meaning the vanishing of an item in an unexplained manner where there is the absence of evidence of a wrongful act by a person or persons
• Cell phones under the care and control of a common carrier (including, but not limited to, U.S. Postal Service, airplanes, or delivery service)
• Cell phones stolen from baggage unless hand-carried and under your personal supervision, or under the supervision of your traveling companion who is previously known to you
• A cell phone which has been rented, leased, borrowed, or received as part of a prepaid wireless service plan or “pay as you go” type service plans
• Cosmetic damage that does not impact the phone’s capabilities
• Damage or theft resulting from abuse, intentional acts, fraud, hostilities of any kind
• Damage or theft resulting from misdelivery or voluntary parting with the phone
• Replacement phone not purchased from a cellular service provider’s retail or internet store, or from an authorized retailer
• Taxes, delivery and transportation charges, and any other fees

Bottom Line: The cell phone protection benefit reimburses you for damage, theft, or “involuntary and accidental parting” of any eligible cell phones linked to your account and paid for with your credit card. You’ll find the coverage on the Ink Business Preferred card and the Freedom Flex card. 

Quick Reference Guide to Chase Personal Cards — Protection Benefits

Quick Reference Guide to Chase Business Cards — Protection Benefits

While we’ve not included every card Chase issues (there are more than 4 dozen), we’ve included some of the most popular cards that offer the core protections available for eligible purchases.

Final Thoughts

Your Chase credit cards offer valuable benefits above and beyond earning points for amazing travel experiences.

Purchase protection, along with extended warranty, return protection, and cell phone protection, are all benefits offered by various Chase credit cards designed to protect your consumer and business purchases.

Keep in mind, however, that protections offered on any Chase card can be eliminated, or changed, at any time. The Guide to Benefits that comes with your card (or you can access it online) is the ultimate source for you to find out if your Chase card offers a specific coverage. You can also contact the benefits administrator by calling the number on the back of your card.

It’s always smart to understand which benefits you have so you can take action if you need to file a claim.

The information regarding the AARP^® Credit Card from Chase was independently collected by Upgraded Points and not provided nor reviewed by the issuer.