Does the Amex Blue Cash Preferred cover it?
American Express lists 4 of the 11 protections we track with terms: rental car damage (secondary), purchase protection (up to $1,000 per item for 90 days), extended warranty (up to 1 extra year, up to $10,000 per item) and return protection (up to $300 per item within 90 days). Assistance only: emergency evacuation & medical. Not listed on the sources we checked: trip cancellation, trip delay, baggage delay, lost or damaged bags, travel accident and cell phone protection. No medical-expense cover is listed.
What the issuer lists
Trip cancellation & interruption Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Trip delay Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Baggage delay Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Lost or damaged baggage Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Rental car collision damage (CDW) Listed with terms
Car Rental Loss and Damage Insurance: secondary, and no liability coverage. Reserve and pay for the entire rental with the card and decline the rental company's CDW. Not available for rentals in Australia, Italy or New Zealand, and not all vehicle types or rentals are covered. The card page does not state a dollar limit.
Travel accident insurance Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Emergency evacuation & medical Assistance / conditional only
Global Assist Hotline only (trips more than 100 miles from home): 24/7 emergency assistance and coordination, including medical and legal referrals. You pay the costs of third-party providers. No evacuation or medical-expense coverage is listed.
Cell phone protection Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Purchase protection (damage & theft) Listed with terms
Purchase Protection: covered purchases stolen or accidentally damaged within 90 days of purchase, up to $1,000 per covered purchase and $50,000 per card member account per calendar year. Charge the purchase to the card.
Extended warranty Listed with terms
Extended Warranty: up to 1 extra year added to the original manufacturer's warranty, on warranties of 5 years or less. Up to the amount charged to the card, with a maximum of $10,000 per item and $50,000 per card member account per calendar year.
Return protection Listed with terms
Return Protection: if the seller won't take back an eligible purchase within 90 days of purchase, American Express may refund the purchase price (excluding shipping and handling), up to $300 per item and $1,000 per calendar year per card account. The item must be bought entirely with the card, in the U.S. or its territories.
Before you rely on this: benefits only apply when you pay the way the terms require (often the full purchase, fare, rental or phone bill on the card), they have exclusions, claim deadlines and documentation rules, and they can change. Your card’s Guide to Benefits is the final word. Not insurance advice.
What this card doesn’t list
Protections the Amex Blue Cash Preferred sources we checked say are not included, or don’t mention. Not listed doesn’t mean not covered: check your Guide to Benefits. For trips, a standalone travel insurance policy is one way people fill gaps like these; whether that is worth it depends on your trip.
- Trip cancellation & interruption: not listed on the issuer source we checked.
- Trip delay: not listed on the issuer source we checked.
- Baggage delay: not listed on the issuer source we checked.
- Lost or damaged baggage: not listed on the issuer source we checked.
- Travel accident insurance: not listed on the issuer source we checked.
- Emergency evacuation & medical: assistance or conditional only (see above).
- Cell phone protection: not listed on the issuer source we checked.
- Medical treatment costs abroad: no medical-expense coverage is listed for this card.
Quick answers
Does the Amex Blue Cash Preferred have cell phone protection?
Cell phone protection is not listed on the American Express sources we checked for this card. Not listed doesn’t mean not covered. Check your Guide to Benefits.
Does the Amex Blue Cash Preferred have purchase protection?
American Express lists purchase protection for this card. Purchase Protection: covered purchases stolen or accidentally damaged within 90 days of purchase, up to $1,000 per covered purchase and $50,000 per card member account per calendar year. Charge the purchase to the card. Check your Guide to Benefits.
Does the Amex Blue Cash Preferred extend warranties?
American Express lists extended warranty for this card. Extended Warranty: up to 1 extra year added to the original manufacturer's warranty, on warranties of 5 years or less. Up to the amount charged to the card, with a maximum of $10,000 per item and $50,000 per card member account per calendar year. Check your Guide to Benefits.
Does the Amex Blue Cash Preferred have return protection?
American Express lists return protection for this card. Return Protection: if the seller won't take back an eligible purchase within 90 days of purchase, American Express may refund the purchase price (excluding shipping and handling), up to $300 per item and $1,000 per calendar year per card account. The item must be bought entirely with the card, in the U.S. or its territories. Check your Guide to Benefits.
Is the Amex Blue Cash Preferred’s rental car coverage primary?
The American Express source describes it as secondary. Car Rental Loss and Damage Insurance: secondary, and no liability coverage. Reserve and pay for the entire rental with the card and decline the rental company's CDW. Not available for rentals in Australia, Italy or New Zealand, and not all vehicle types or rentals are covered. The card page does not state a dollar limit. Check your Guide to Benefits.
Does the Amex Blue Cash Preferred include travel insurance?
The American Express sources we checked list emergency evacuation & medical for this card; see each protection above for its terms. No medical-expense coverage abroad is listed. Check your Guide to Benefits.
Do I have to pay with the Amex Blue Cash Preferred?
The sources we checked tie these protections to how you pay. Rental car collision damage (CDW): Reserve and pay for the entire rental with the card and decline the rental company's CDW. Purchase protection (damage & theft): Purchase Protection: covered purchases stolen or accidentally damaged within 90 days of purchase, up to $1,000 per covered purchase and $50,000 per card member account per calendar year. Extended warranty: Up to the amount charged to the card, with a maximum of $10,000 per item and $50,000 per card member account per calendar year. Return protection: Return Protection: if the seller won't take back an eligible purchase within 90 days of purchase, American Express may refund the purchase price (excluding shipping and handling), up to $300 per item and $1,000 per calendar year per card account. Check your Guide to Benefits.
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