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.
Amex
Marriott Bonvoy Business
Marriott Bonvoy Business
Amex · $125 AFBusiness
Earn 3 Free Night Awards (up to 50,000 points each) after spending $6,000 in the first 6 months, plus 2 additional Free Night Awards after an additional $3,000 in purchases.
Amex
Business Platinum
Business Platinum
Amex · $895 AFBusiness
Earn 200,000 Membership Rewards points after you spend $20,000 on eligible purchases within the first 3 months of Card Membership.
Amex
Marriott Bonvoy Brilliant
Marriott Bonvoy Brilliant
Amex · $650 AF
Earn 200,000 Marriott Bonvoy bonus points after spending $6,000 on eligible purchases in the first 6 months of Card Membership. Offer ends 05/13/2026.
Amex
Marriott Bonvoy Bevy
Marriott Bonvoy Bevy
Amex · $250 AF
Earn 175,000 Marriott Bonvoy bonus points after spending $5,000 on purchases in the first 6 months of Card Membership. Offer ends 05/13/2026.
Chase
Aeroplan
Aeroplan
Chase · $95 AF
Earn 85,000 bonus Aeroplan points after $4,000 in purchases in the first 3 months.
Amex
Business Gold
Business Gold
Amex · $375 AFBusiness
Earn 100,000 Membership Rewards points after you spend $15,000 on eligible purchases within the first 3 months of Card Membership. No lifetime language.
Amex
Delta Reserve
Delta Reserve
Amex · $650 AF
Earn up to 125,000 bonus miles: 100,000 after spending $6,000 and 25,000 after an additional $3,000 in purchases, all within the first 6 months of Card Membership. Offer ends 04/01/2026.
Amex
Platinum
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.
Chase
Marriott Boundless
Marriott Boundless
Chase · $95 AF
Earn 5 Free Night Awards (up to 50,000 points each) after you spend $3,000 in the first 3 months. Earn up to $100 in airline statement credits.
Chase
Sapphire Reserve for Business
Sapphire Reserve for Business
Chase · $795 AFBusiness
Earn 150,000 bonus points after $20,000 spend in 3 months.
Bank of America
Atmos Rewards Summit
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.
Amex
Hilton Business
Hilton Business
Amex · $195 AFBusiness
Earn 175,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $8,000 in purchases within your first 6 months of Card Membership. Offer ends 04/15/2026.
Chase
Sapphire Reserve
Sapphire Reserve
Chase · $795 AF
Earn 125,000 bonus points after $6,000 spend in 3 months.
Amex
Hilton Surpass
Hilton Surpass
Amex · $150 AF
Earn 130,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $3,000 in purchases within your first 6 months of Card Membership. Offer ends 04/15/2026.
Chase
United Business Card
United Business Card
Chase · $150 AFBusiness
Earn 100,000 bonus miles + 2,000 Premier qualifying points (PQP) after you spend $5,000 on purchases in the first 3 months from account opening.
Capital One
Venture X Business
Venture X Business
Capital One · $395 AFBusiness
Earn 150,000 bonus miles when you spend $30,000 in the first 3 months.
Amex
Gold
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.
Amex
Delta Reserve Business
Delta Reserve Business
Amex · $650 AFBusiness
Earn 125,000 bonus miles after spending $15,000 on eligible purchases in the first 6 months.
U.S. Bank
Triple Cash Rewards
Triple Cash Rewards
U.S. Bank · $0 AFBusiness
Earn $750 cash back after spending $6,000 in the first 180 days.
Chase
British Airways Visa Signature
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.
Chase
United Club Business
United Club Business
Chase · $695 AFBusiness
Earn 100,000 bonus miles + 2,000 Premier qualifying points (PQP) after you spend $5,000 on purchases in the first 3 months your account is open.
Chase
United Quest
United Quest
Chase · $350 AF
Earn 80,000 bonus miles + 3,000 Premier qualifying points (PQP) after you spend $4,000 in the first 3 months your account is open.
Amex
Hilton Aspire
Hilton Aspire
Amex · $550 AF
Earn 175,000 Hilton Honors Bonus Points after you spend $6,000 in purchases within your first 6 months of Card Membership. Offer ends 04/15/2026.
Amex
Delta Gold
Delta Gold
Amex · $150 AF
Earn up to 90,000 bonus miles: 70,000 after spending $3,000 and 20,000 after an additional $2,000 in purchases, all within the first 6 months of Card Membership. Offer ends 04/01/2026.
Amex
Delta Platinum
Delta Platinum
Amex · $350 AF
Earn up to 100,000 bonus miles: 80,000 after spending $4,000 and 20,000 after an additional $2,000 in purchases, all within the first 6 months of Card Membership. Offer ends 04/01/2026.
Amex
Delta Gold Business
Delta Gold Business
Amex · $150 AFBusiness
Earn 90,000 bonus miles after spending $6,000 on eligible purchases in the first 6 months.
Amex
Delta Platinum Business
Delta Platinum Business
Amex · $350 AFBusiness
Earn 100,000 bonus miles after spending $8,000 on eligible purchases in the first 6 months.
Chase
United Explorer
United Explorer
Chase · $150 AF
Earn 70,000 bonus miles after you spend $3,000 in the first 3 months.
Chase
IHG Premier
IHG Premier
Chase · $99 AF
Earn 175,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Offer ends March 18, 2026.
Chase
Disney Premier Visa
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.
Chase
Sapphire Preferred
Sapphire Preferred
Chase · $150 AF
Earn 75,000 bonus points after $5,000 spend in 3 months.
Citi
Strata Elite
Strata Elite
Citi · $595 AF
Earn 75,000 bonus points after spending $6,000 in the first 3 months.
Citi
Strata Premier
Strata Premier
Citi · $95 AF
Earn 60,000 bonus points after spending $4,000 in the first 3 months.
Chase
World of Hyatt
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.
Amex
Hilton Honors
Hilton Honors
Amex · $0 AF
Earn 70,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $2,000 in purchases within your first 6 months of Card Membership. Offer ends 04/15/2026.
Chase
Marriott Bonvoy Bountiful
Marriott Bonvoy Bountiful
Chase · $250 AF
Earn 85,000 bonus points after you spend $4,000 in the first 3 months from account opening.
Chase
Ink Business Preferred
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.
Amex
Green
Green
Amex · $150 AF
Earn 40,000 Membership Rewards points after you spend $3,000 on eligible purchases within the first 6 months.
Chase
Disney Inspire Visa
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.
Chase
Ink Business Premier
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.
Chase
Ink Business Cash
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.
Chase
Ink Business Unlimited
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.
Capital One
Venture
Venture
Capital One · $95 AF
Earn 75,000 bonus miles after spending $4,000 in the first 3 months, plus a $250 Capital One Travel credit.
Amex
Blue Cash Preferred
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.
Bank of America
Premium Rewards Elite
Premium Rewards Elite
Bank of America · $550 AF
Earn 75,000 bonus points ($750 value) after spending $5,000 in the first 90 days.
Amex
Graphite Business Cash Unlimited
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.
Chase
Disney Visa
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.
Bank of America
Premium Rewards
Premium Rewards
Bank of America · $95 AF
Earn 60,000 bonus points ($600 value) after spending $4,000 in the first 90 days.
Chase
United Gateway
United Gateway
Chase · $0 AF
Earn 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months from account opening.
Amex
Blue Cash Everyday
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.
Chase
Freedom Unlimited
Freedom Unlimited
Chase · $0 AF
Earn a $250 bonus after you spend $500 on purchases in the first 3 months from account opening.
Amex
Business Green
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.
Chase
Marriott Bonvoy Bold
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.
Chase
Freedom Flex
Freedom Flex
Chase · $0 AF
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
Capital One
Quicksilver
Quicksilver
Capital One · $0 AF
Earn a $200 cash bonus after spending $500 in the first 3 months.
U.S. Bank
Shopper Cash Rewards
Shopper Cash Rewards
U.S. Bank · $95 AF
Earn a $250 bonus after spending $2,000 in the first 120 days.
Chase
Amazon Prime Visa
Amazon Prime Visa
Chase · $0 AF
Earn a $150 Amazon Gift Card instantly upon approval.
Chase
Freedom Rise
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.
Other
Robinhood Platinum
Robinhood Platinum
Other · $695 AF
No current sign-up bonus. Invite-only launch.
Citi
Costco Anywhere Visa
Costco Anywhere Visa
Citi · $0 AF
No sign-up bonus. Apply in-store at any Costco warehouse.