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.
Sapphire Reserve for Business
Chase · $795 AFBusiness
Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
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.
Marriott Bonvoy Brilliant
Amex · $650 AF
Limited Time Offer: Earn 150,000 Marriott Bonvoy Bonus Points plus a $250 statement credit after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership. Offer ends 09/30/26.
Marriott Bonvoy Bevy
Amex · $250 AF
Limited Time Offer: Earn 125,000 Marriott Bonvoy Bonus Points plus a $150 statement credit after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership. Offer ends 09/30/26.
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.
Marriott Boundless
Chase · $95 AF
Earn 4 Free Night Awards after spending $3,000 on eligible purchases within 3 months of account opening; each award is redeemable for a one-night stay at properties with a redemption level up to 50,000 points. Special offer through June 30, 2027: get up to $100 in statement credits after spending $500 on eligible airline purchases ($50 semi-annually).
Venture X Business
Capital One · $395 AFBusiness
Earn 150,000 bonus miles when you spend $30,000 in the first 3 months.
World of Hyatt
Chase · $95 AF
Earn up to 75,000 Bonus Points: 45,000 Bonus Points after you spend $5,000 on purchases in your first 3 months of account opening, plus up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
Ink Business Cash
Chase · $0 AFBusiness
Earn $1,000 cash back after you spend $8,000 on purchases in the first 4 months after account opening.
Ink Business Unlimited
Chase · $0 AFBusiness
Earn $1,000 cash back after you spend $8,000 on purchases in the first 4 months after account opening.
Gold
Amex · $325 AF
Apply and find out your welcome offer, as high as 100,000 Membership Rewards points after you spend $8,000 in 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.
Atmos Rewards Summit
Bank of America · $395 AF
Limited-time online offer: earn 80,000 bonus points and a 25,000-point Global Companion Award after spending $4,000 or more on purchases within the first 90 days after account opening.
Triple Cash Rewards
U.S. Bank · $0 AFBusiness
Earn $750 cash back after spending $6,000 in the first 180 days.
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.
Aeroplan
Chase · $95 AF
Earn 60,000 bonus points after spending $3,000 on purchases in the first 3 months your account is open.
Ink Business Preferred
Chase · $95 AFBusiness
Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening.
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.
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.
Marriott Bonvoy Business
Amex · $125 AFBusiness
Earn up to 125,000 Marriott Bonvoy Points: earn 75,000 points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership, plus an extra 50,000 points after you make an additional $3,000 in purchases within the first 6 months.
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.
Marriott Bonvoy Bountiful
Chase · $250 AF
Earn 85,000 bonus points after you spend $4,000 in the first 3 months from account opening.
Delta Reserve Business
Amex · $650 AFBusiness
Special Welcome Offer: Earn 100,000 Bonus Miles after you spend $12,000 in purchases on your new Card in your first 6 months of Card Membership.
Sapphire Reserve
Chase · $795 AF
Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Hilton Aspire
Amex · $550 AF
Earn 150,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership.
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.
IHG Premier
Chase · $99 AF
Earn 140,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
Marriott Bonvoy Bold
Chase · $0 AF
Earn 45,000 Bonus Points after spending $1,000 on eligible purchases within 3 months of account opening.
Hilton Surpass
Amex · $150 AF
Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership. The annual fee is $150 from the first year.
Hilton Business
Amex · $195 AFBusiness
Earn 130,000 Hilton Honors Bonus Points after you make purchases with your new Card totaling $6,000 or more in the first 6 months of Card Membership. The annual fee is $195 from the first year.
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.
Delta Platinum Business
Amex · $350 AFBusiness
Earn 70,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months of Card Membership.
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.
Delta Gold Business
Amex · $150 AFBusiness
Earn 60,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months of Card Membership.
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.
Disney Inspire Visa
Chase · $149 AF
Get a $300 Disney Gift Card eGift to use today upon approval, plus earn a $200 statement credit after you spend $1,000 on purchases in the first 3 months from account opening.
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.
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.
Hilton Honors
Amex · $0 AF
Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card within your first 6 months of Card Membership.
Freedom Unlimited
Chase · $0 AF
Earn a $200 bonus after you spend $500 on 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.
Amazon Prime Visa
Chase · $0 AF
Earn a $150 Amazon Gift Card instantly upon approval.
Freedom Rise
Chase · $0 AF
Limited-time offer: earn 3% cash back total on dining at restaurants, including takeout and eligible delivery services, on up to $6,000 spent in the first 6 months from account opening; plus earn a $25 statement credit after setting up automatic payments in the first 3 months and remaining enrolled for at least 90 consecutive 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.