Best Credit Cards with Purchase Protection
Purchase protection covers eligible items bought with your credit card against damage or theft for a specified period after purchase — typically 90 to 120 days. This acts like a free extended return policy, giving you peace of mind on major purchases.
How It Works
- Buy an eligible item with your credit card.
- If the item is damaged or stolen within the coverage period, file a claim with your card's benefits administrator.
- Provide the original receipt, credit card statement, and documentation of the damage or theft.
- Receive reimbursement up to the card's per-item and annual limits.
Coverage Details
- Coverage period: 90–120 days from the date of purchase (varies by card).
- Per-item limit: Typically $500–$10,000 per claim.
- Annual limit: Usually $25,000–$50,000 per cardholder per year.
- Common exclusions: Motorized vehicles, animals, perishables, cash, travelers checks, and items left unattended.
Purchase Protection vs. Extended Warranty
These are complementary but different benefits. Purchase protection covers damage and theft in the first 90–120 days. Extended warranty kicks in after the manufacturer's warranty expires, adding an extra year of coverage. The best cards offer both.
Real-World Examples
- You buy a new laptop and accidentally drop it 2 months later — purchase protection covers the repair or replacement.
- A new TV is stolen from your porch within a week of delivery — file a claim for the full purchase price.
- Your kid breaks a new tablet 60 days after purchase — covered under accidental damage.
Tips
- Use your purchase-protection card for big-ticket items like electronics, appliances, and jewelry.
- Keep receipts and take photos of expensive purchases — you'll need them to file a claim.
- Check your card's specific terms — some cards have more generous limits than others.
Cards with Purchase Protection
Coverage for eligible purchases against damage or theft within a specified period after purchase.
Business Platinum
Amex · $895 AFBusiness
Public application flows may show as high as 300,000 Membership Rewards points after $20,000 in eligible purchases within the first 3 months. The top amount appears variable/dynamic; verify the exact terms before applying. A 200,000-point NLL offer remains the conservative baseline to compare against.
Business Gold
Amex · $375 AFBusiness
Public application flows may show as high as 200,000 Membership Rewards points after $15,000 in eligible purchases within the first 3 months. The top amount appears variable/dynamic; verify the exact terms before applying. A 100,000-point NLL offer remains the conservative baseline to compare against.
Aeroplan
Chase · $95 AF
Earn 85,000 bonus Aeroplan points after $4,000 in purchases in the first 3 months.
Platinum
Amex · $895 AF
Earn up to 175,000 Membership Rewards points after you spend $12,000 on eligible purchases within the first 6 months.
Sapphire Reserve for Business
Chase · $795 AFBusiness
Earn 150,000 bonus points after $20,000 spend in 3 months.
Marriott Bonvoy Bevy
Amex · $250 AF
Earn up to 135,000 Marriott Bonvoy bonus points: 85,000 points after $5,000 in eligible purchases, plus 50,000 additional points after $7,000 total, within the first 6 months of Card Membership.
Marriott Bonvoy Business
Amex · $125 AFBusiness
Earn 150,000 Marriott Bonvoy bonus points plus a $125 statement credit after spending $8,000 on eligible purchases in the first 6 months of Card Membership.
Sapphire Reserve
Chase · $795 AF
Earn 150,000 bonus points after $6,000 spend in 3 months.
Atmos Rewards Summit
Bank of America · $395 AF
Earn 100,000 bonus Atmos Rewards points + 25,000-point Global Companion Award after spending $6,000 in the first 90 days.
Marriott Bonvoy Brilliant
Amex · $650 AF
Earn up to 150,000 Marriott Bonvoy bonus points: 100,000 points after $6,000 in eligible purchases, plus 50,000 additional points after $8,000 total, within the first 6 months of Card Membership.
Venture X Business
Capital One · $395 AFBusiness
Earn 150,000 bonus miles when you spend $30,000 in the first 3 months.
Gold
Amex · $325 AF
Earn up to 100,000 Membership Rewards points after you spend $6,000 on eligible purchases within the first 6 months.
Delta Reserve Business
Amex · $650 AFBusiness
Earn 125,000 bonus miles after spending $15,000 on eligible purchases in the first 6 months.
Triple Cash Rewards
U.S. Bank · $0 AFBusiness
Earn $750 cash back after spending $6,000 in the first 180 days.
Marriott Boundless
Chase · $95 AF
Earn up to 4 Free Night Awards + a $100 Airline Credit: 3 Free Night Awards after $3,000 in 3 months, plus 1 additional Free Night Award after $4,000 total in 4 months. Each award is worth up to 50,000 points.
British Airways Visa Signature
Chase · $95 AF
Earn 75,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening.
United Business Card
Chase · $150 AFBusiness
Earn up to 110,000 bonus miles + 2,000 Premier qualifying points (PQP): 100,000 bonus miles + 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open, plus 10,000 bonus miles after you add an employee card in the first 3 months.
Delta Gold Business
Amex · $150 AFBusiness
Earn 90,000 bonus miles after spending $6,000 on eligible purchases in the first 6 months.
Delta Platinum Business
Amex · $350 AFBusiness
Earn 100,000 bonus miles after spending $8,000 on eligible purchases in the first 6 months.
Disney Premier Visa
Chase · $49 AF
Earn a $200 Disney Gift Card eGift upon approval, plus a $100 statement credit after you spend $500 in the first 3 months.
Sapphire Preferred
Chase · $95 AF
Earn 75,000 bonus points after $5,000 spend in 3 months.
United Quest
Chase · $350 AF
Earn up to 70,000 bonus miles + 500 Premier qualifying points (PQP): 60,000 bonus miles + 500 PQP after you spend $4,000 in the first 3 months your account is open, plus 10,000 bonus miles after you add an authorized user in the first 3 months.
IHG Premier
Chase · $99 AF
Earn up to 185,000 bonus points: 150,000 bonus points after spending $3,000 in the first 3 months from account opening, plus 35,000 bonus points after spending a total of $6,000 in the first 6 months from account opening.
Hilton Aspire
Amex · $550 AF
Earn 175,000 Hilton Honors Bonus Points after you spend $6,000 in eligible purchases on your Card in the first 6 months of Card Membership. Offer ends 7/29/26.
Delta Platinum
Amex · $350 AF
Apply and find out your welcome offer as high as 90,000 miles after you make $3,000 in eligible purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.
Delta Gold
Amex · $150 AF
Apply and find out your welcome offer as high as 80,000 miles after you make $2,000 in eligible purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.
Delta Reserve
Amex · $650 AF
Apply and find out your welcome offer as high as 100,000 miles after you make $5,000 in eligible purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.
Strata Elite
Citi · $595 AF
Earn 75,000 bonus points after spending $6,000 in the first 3 months.
Strata Premier
Citi · $95 AF
Earn 60,000 bonus points after spending $4,000 in the first 3 months.
United Club Business
Chase · $695 AFBusiness
Earn up to 110,000 bonus miles + 2,000 Premier qualifying points (PQP): 100,000 bonus miles + 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open, plus 10,000 bonus miles after you add an employee card in the first 3 months.
United Explorer
Chase · $150 AF
Earn up to 60,000 bonus miles: 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open, plus 10,000 bonus miles after you add an authorized user in the first 3 months.
World of Hyatt
Chase · $95 AF
Earn up to 60,000 Bonus Points: 30,000 after you spend $3,000 in the first 3 months, plus up to 30,000 more by earning 2x on purchases (normally 1x) in the first 6 months.
Hilton Honors
Amex · $0 AF
Earn a $100 statement credit + 100,000 Hilton Honors Bonus Points after you spend $2,000 in eligible purchases on your Card in the first 6 months of Card Membership. Offer ends 7/29/26.
Marriott Bonvoy Bountiful
Chase · $250 AF
Earn 85,000 bonus points after you spend $4,000 in the first 3 months from account opening.
Ink Business Preferred
Chase · $95 AFBusiness
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening.
Green
Amex · $150 AF
Earn 40,000 Membership Rewards points after you spend $3,000 on eligible purchases within the first 6 months.
Disney Inspire Visa
Chase · $149 AF
Earn a $300 Disney Gift Card eGift upon approval, plus a $300 statement credit after you spend $1,000 in the first 3 months.
Ink Business Premier
Chase · $195 AFBusiness
Earn $1,000 bonus cash back after you spend $10,000 on purchases in your first 3 months from account opening.
Ink Business Cash
Chase · $0 AFBusiness
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months after account opening.
Ink Business Unlimited
Chase · $0 AFBusiness
Earn $750 cash back after you spend $6,000 on purchases in the first 3 months after account opening.
Hilton Surpass
Amex · $150 AF
Enjoy a $0 intro annual fee for the first year, then $150, and earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases on your Card in the first 6 months of Card Membership. Offer ends 7/29/26.
Hilton Business
Amex · $195 AFBusiness
Enjoy a $0 intro annual fee for the first year, then $195, and earn 130,000 Hilton Honors Bonus Points after you spend $8,000 in eligible purchases on your Card in the first 6 months of Card Membership. Offer ends 7/29/26.
Blue Cash Preferred
Amex · $95 AF
Earn up to $300 cash back after you spend $3,000 in purchases within the first 6 months of Card Membership.
Premium Rewards Elite
Bank of America · $550 AF
Earn 75,000 bonus points ($750 value) after spending $5,000 in the first 90 days.
Graphite Business Cash Unlimited
Amex · $295 AFBusiness
Earn $1,500 cash back after you spend $50,000 on eligible purchases within the first 6 months.
Disney Visa
Chase · $0 AF
Earn a $100 Disney Gift Card eGift upon approval, plus a $50 statement credit after you spend $500 in the first 3 months.
Venture
Capital One · $95 AF
Earn 75,000 bonus miles after spending $4,000 in the first 3 months.
Premium Rewards
Bank of America · $95 AF
Earn 60,000 bonus points ($600 value) after spending $4,000 in the first 90 days.
United Gateway
Chase · $0 AF
Earn up to 40,000 bonus miles: 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open, plus 10,000 bonus miles after you add an authorized user in the first 3 months.
Blue Cash Everyday
Amex · $0 AF
Earn up to $200 cash back after you spend $2,000 in purchases within the first 6 months of Card Membership.
Freedom Unlimited
Chase · $0 AF
Earn a $250 bonus after you spend $500 on purchases in the first 3 months from account opening.
Business Green
Amex · $95 AFBusiness
Earn 15,000 Membership Rewards points after you spend $3,000 on eligible purchases within your first 3 months of Card Membership.
Marriott Bonvoy Bold
Chase · $0 AF
Earn 30,000 bonus points after you spend $1,000 on eligible purchases in the first 3 months from account opening.
Freedom Flex
Chase · $0 AF
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
Quicksilver
Capital One · $0 AF
Earn a $200 cash bonus after spending $500 in the first 3 months.
Shopper Cash Rewards
U.S. Bank · $95 AF
Earn a $250 bonus after spending $2,000 in the first 120 days.
Amazon Prime Visa
Chase · $0 AF
Earn a $150 Amazon Gift Card instantly upon approval.
Freedom Rise
Chase · $0 AF
Earn a $25 statement credit when you enroll in automatic payments within the first 3 months and stay enrolled for at least 90 days.
Robinhood Platinum
Other · $695 AF
No current sign-up bonus. Invite-only launch.
Costco Anywhere Visa
Citi · $0 AF
No sign-up bonus. Apply in-store at any Costco warehouse.