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Purchase protection (damage & theft)
Covers new purchases against theft or accidental damage for a set number of days after you buy them with the card.
What it is
Purchase protection (Visa often calls it purchase security) repairs, replaces or reimburses an eligible item bought with the card if it is stolen or damaged within a set window, typically 90 or 120 days on the cards we checked.
What to check on your card
- Window: days from purchase (some guides give New York residents a shorter window).
- Limits: per item or per claim, and per account per year.
- How you paid: some cards need the whole item on the card, others only part of it.
- Primary or secondary: many guides pay only after homeowner’s or renter’s insurance.
- Exclusions: commonly vehicles, perishables, items lost or left behind, and normal wear.
These are general descriptions. The exact terms on your card are in its Guide to Benefits. Not insurance advice.
Card by card
From each issuer’s page or benefit guide; cards with published terms first. “Not listed” means it wasn’t on the source we read, not that it can’t exist.
| Card | Status | What the issuer says |
|---|---|---|
| Chase Sapphire Preferred | Listed with terms | Covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $500 per item. New York residents: 90 days. |
| Chase Sapphire Reserve | Listed with terms | Covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $10,000 per item. New York residents: 90 days. |
| Chase Ink Business Preferred | Listed with terms | Covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $10,000 per item. New York residents: 90 days. |
| United Gateway Card | Listed with terms | Covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $500 per item. New York residents: 90 days. |
| United Explorer Card | Listed with terms | Covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $10,000 per item. New York residents: 90 days. |
| United Quest Card | Listed with terms | Covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $10,000 per item. New York residents: 90 days. |
| United Club Card | Listed with terms | Covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $10,000 per item. New York residents: 90 days. |
| Southwest Rapid Rewards Plus | Listed with terms | Covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $500 per item. New York residents: 90 days. |
| Southwest Rapid Rewards Premier | Listed with terms | Covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $500 per item. New York residents: 90 days. |
| Southwest Rapid Rewards Priority | Listed with terms | Covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $500 per item. New York residents: 90 days. |
| Marriott Bonvoy Bold | Listed with terms | Covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $500 per item. New York residents: 90 days. |
| Marriott Bonvoy Boundless | Listed with terms | Covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $500 per item. New York residents: 90 days. |
| World of Hyatt Credit Card | Listed with terms | Covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $500 per item. New York residents: 90 days. |
| IHG One Rewards Premier | Listed with terms | Covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $500 per item. New York residents: 90 days. |
| IHG One Rewards Credit Card | Listed with terms | Covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $500 per item. New York residents: 90 days. |
| IHG One Rewards Premier Select | Listed with terms | Covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $500 per item. New York residents: 90 days. |
| British Airways Visa Signature | Listed with terms | Covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $500 per item. New York residents: 90 days. |
| Aer Lingus Visa Signature | Listed with terms | Covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $500 per item. New York residents: 90 days. |
| Chase Aeroplan Card | Listed with terms | Covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $500 per item. New York residents: 90 days. |
| Amex Platinum Card | Listed with terms | Covered purchases made with the card are protected for up to 90 days from the purchase date if stolen, accidentally damaged or lost. Up to $10,000 per covered purchase, up to $50,000 per calendar year. |
| Amex Gold Card | Listed with terms | Covered purchases made with the card are protected for up to 90 days from the purchase date if stolen, accidentally damaged or lost. Up to $10,000 per covered purchase, up to $50,000 per calendar year. |
| Delta SkyMiles Gold Amex | Listed with terms | Covered purchases made with the card are protected for up to 90 days from the purchase date if stolen or accidentally damaged. Up to $1,000 per covered purchase, up to $50,000 per calendar year. |
| Delta SkyMiles Platinum Amex | Listed with terms | Covered purchases made with the card are protected for up to 90 days from the purchase date if stolen or accidentally damaged. Up to $1,000 per covered purchase, up to $50,000 per calendar year. |
| Delta SkyMiles Reserve Amex | Listed with terms | Covered purchases made with the card are protected for up to 90 days from the purchase date if stolen, accidentally damaged or lost. Up to $10,000 per covered purchase, up to $50,000 per calendar year. |
| Hilton Honors Amex Card | Listed with terms | Covered purchases made with the card are protected for up to 90 days from the purchase date if stolen or accidentally damaged. Up to $1,000 per covered purchase, up to $50,000 per calendar year. |
| Hilton Honors Amex Surpass | Listed with terms | Covered purchases made with the card are protected for up to 90 days from the purchase date if stolen or accidentally damaged. Up to $1,000 per covered purchase, up to $50,000 per calendar year. |
| Hilton Honors Amex Aspire | Listed with terms | Covered purchases made with the card are protected for up to 90 days from the purchase date if stolen, accidentally damaged or lost. Up to $10,000 per covered purchase, up to $50,000 per calendar year. |
| Marriott Bonvoy Brilliant Amex | Listed with terms | Covered purchases made with the card are protected for up to 90 days from the purchase date if stolen, accidentally damaged or lost. Up to $10,000 per covered purchase, up to $50,000 per calendar year. |
| Amex Business Platinum Card | Listed with terms | Covered purchases made with the card are protected for up to 90 days from the purchase date if stolen, accidentally damaged or lost. Up to $10,000 per covered purchase, up to $50,000 per calendar year. |
| Amex Business Gold Card | Listed with terms | Covered purchases made with the card are protected for up to 90 days from the purchase date if stolen or accidentally damaged. Up to $1,000 per covered purchase, up to $50,000 per card member account per calendar year. |
| Capital One Venture X | Listed with terms | Purchase Security (Visa Infinite guide): theft or damage within the first 90 days from the date of purchase, up to $10,000 per claim and $50,000 per cardholder. At least part of the price must be paid with the card and/or its rewards. Excess over other insurance. |
| Citi Strata Elite | Listed with terms | Purchase Assurance Plus: repair or replacement of a purchase that is stolen or damaged within 120 days from the date of purchase (90 days for New York State residents). Up to $10,000 per item and $50,000 per account per 12 consecutive month period. The purchase must be made entirely with the card and/or its points. |
| Citi AAdvantage Executive | Listed with terms | Damage & Theft Purchase Protection: an item bought at least in part with the card that is damaged or stolen within 90 days of purchase or delivery, whichever is first. Up to $10,000 per incident and $50,000 per year per account. |
| Bilt Blue Card | Listed with terms | Purchase Assurance: an item bought with the card that is damaged or stolen within 90 days of purchase. A maximum of $1,000 per loss and $50,000 per cardholder account per 12 month period. |
| Bilt Obsidian Card | Listed with terms | Purchase Assurance: an item bought with the card that is damaged or stolen within 90 days of purchase. A maximum of $1,000 per loss and $50,000 per cardholder account per 12 month period. |
| Bilt Palladium Card | Listed with terms | Purchase Assurance: an item bought with the card that is damaged or stolen within 90 days of purchase. A maximum of $1,000 per loss and $50,000 per cardholder account per 12 month period. |
| Chase Freedom Unlimited | Listed with terms | New purchases covered against theft, damage or involuntary and accidental parting for 120 days from purchase (90 days for New York residents): up to $500 per item and $50,000 per account. Charge all or part of the item to the card and/or its rewards. Secondary to other insurance, such as homeowner's or renter's. |
| Chase Freedom Flex | Listed with terms | New purchases covered against theft, damage or involuntary and accidental parting for 120 days from purchase (90 days for New York residents): up to $500 per item and $50,000 per account. Charge all or part of the item to the card and/or its rewards. Secondary to other insurance, such as homeowner's or renter's. |
| Prime Visa | Listed with terms | New purchases covered against theft, damage or involuntary and accidental parting for 120 days from purchase (90 days for New York residents): up to $500 per item and $50,000 per account. Charge all or part of the item to the card and/or its rewards. Secondary to other insurance, such as homeowner's or renter's. |
| Amex Blue Cash Preferred | 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. |
| Costco Anywhere Visa | Listed with terms | Damage & Theft Purchase Protection: items damaged or stolen within 120 days of purchase or delivery (90 for New York residents): up to $1,000 per item and $50,000 per calendar year per account. Pay at least in part with the card and/or a Costco credit card reward certificate. Primary, except for New York residents (secondary). |
| PenFed Power Cash Rewards | Listed with terms | Purchase Security: new purchases covered for 90 days against theft or damage from fire, vandalism, accidentally discharged water or certain weather conditions, up to $500 per claim and $50,000 per cardholder. Pay for all or part of the item with the card and/or its rewards. |
| Fidelity Rewards Visa Signature | Listed with terms | Purchase Security: new purchases covered for 90 days against theft or damage from fire, vandalism, accidentally discharged water or certain weather conditions, up to $500 per claim and $50,000 per cardholder. Pay for all or part of the item with the card and/or its rewards. |
| Chase Freedom Rise | Listed with terms | New purchases covered against theft, damage or involuntary and accidental parting for 120 days from purchase (90 days for New York residents): up to $500 per item and $50,000 per account. Charge all or part of the item to the card and/or its rewards. Secondary to other insurance, such as homeowner's or renter's. |
| Chase Slate Edge | Listed with terms | New purchases covered against theft, damage or involuntary and accidental parting for 120 days from purchase (90 days for New York residents): up to $500 per item and $50,000 per account. Charge all or part of the item to the card and/or its rewards. Secondary to other insurance, such as homeowner's or renter's. |
| Amazon Visa | Listed with terms | New purchases covered against theft, damage or involuntary and accidental parting for 120 days from purchase (90 days for New York residents): up to $500 per item and $50,000 per account. Charge all or part of the item to the card and/or its rewards. Secondary to other insurance, such as homeowner's or renter's. |
| Disney Visa Card | Listed with terms | New purchases covered against theft, damage or involuntary and accidental parting for 120 days from purchase (90 days for New York residents): up to $500 per item and $50,000 per account. Charge all or part of the item to the card and/or its rewards. Secondary to other insurance, such as homeowner's or renter's. |
| Disney Premier Visa Card | Listed with terms | New purchases covered against theft, damage or involuntary and accidental parting for 120 days from purchase (90 days for New York residents): up to $500 per item and $50,000 per account. Charge all or part of the item to the card and/or its rewards. Secondary to other insurance, such as homeowner's or renter's. |
| Disney Inspire Visa Card | Listed with terms | New purchases covered against theft, damage or involuntary and accidental parting for 120 days from purchase (90 days for New York residents): up to $500 per item and $50,000 per account. Charge all or part of the item to the card and/or its rewards. Secondary to other insurance, such as homeowner's or renter's. |
| Chase Ink Business Cash | Listed with terms | Purchase Protection: new purchases covered against theft, damage or involuntary and accidental parting for 120 days from purchase (90 days for New York residents), up to $10,000 per item and $50,000 per account. Charge all or part of the item to the card and/or its rewards. Secondary to other insurance. |
| Chase Ink Business Unlimited | Listed with terms | Purchase Protection: new purchases covered against theft, damage or involuntary and accidental parting for 120 days from purchase (90 days for New York residents), up to $10,000 per item and $50,000 per account. Charge all or part of the item to the card and/or its rewards. Secondary to other insurance. |
| Chase Ink Business Premier | Listed with terms | Purchase Protection: eligible new purchases covered for 120 days from purchase against damage or theft, up to $10,000 per item. New York residents: 90 days. |
| Amex Blue Cash Everyday | 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. |
| Amex Blue Business Cash | 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. |
| Amex Blue Business Plus | 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. |
| Amex Graphite Business Cash Unlimited | 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 calendar year. |
| Costco Anywhere Visa Business | Listed with terms | Damage & Theft Purchase Protection: items damaged or stolen within 120 days of purchase or delivery (90 for New York residents): up to $10,000 per item and $50,000 per year per account. Pay at least in part with the card and/or a Costco credit card reward certificate. Primary, except for New York residents (secondary). |
| Navy Federal More Rewards Amex | Listed with terms | Retail Protection: new items bought entirely with the card and/or its points, damaged or stolen within 90 days of purchase: up to $1,000 per loss and $50,000 per cardholder account per 12-month period. Secondary to other insurance. |
| PenFed Platinum Rewards | Listed with terms | Purchase Security: new purchases covered for 90 days against theft or damage from fire, vandalism, accidentally discharged water or certain weather conditions, up to $500 per claim and $50,000 per cardholder. Pay for all or part of the item with the card and/or its rewards. |
| Alliant Cashback Visa Signature | Listed with terms | Purchase Security: new purchases covered for the first 90 days against theft, damage due to fire, vandalism or accidentally discharged water and certain weather conditions, up to $500 per claim and $50,000 per cardholder. Pay for all or part of the item with the card and/or its rewards. |
| Citi AAdvantage Globe | Listed, no limits published | Card page lists "Purchase Assurance Plus". No limit stated. |
| BofA Premium Rewards | Listed, no limits published | Card page names "Purchase Security". No limit stated. |
| BofA Business Advantage Customized Cash | Listed, no limits published | Card page: additional protection covers certain purchases against loss, damage, theft or fire. No limit stated. |
| BofA Business Advantage Unlimited Cash | Listed, no limits published | Card page: additional protection covers certain purchases against loss, damage, theft or fire. No limit stated. |
| U.S. Bank Shield Visa | Listed, no limits published | Card page: Purchase Security may help protect covered items against theft or damage when eligible purchases are made with the card, subject to terms and conditions. No limit stated. |
| Robinhood Gold Card | Listed, no limits published | Robinhood's Visa Signature benefits page lists Purchase Security. No limit stated. |
| Capital One Venture | Not listed | |
| Capital One VentureOne | Not listed | |
| Capital One Venture X Business | Not listed | |
| Citi Strata Premier | Not listed | |
| Citi AAdvantage Platinum Select | Not listed | |
| U.S. Bank Altitude Connect | Not listed | |
| U.S. Bank Altitude Go | Not listed | |
| Wells Fargo Autograph | Not listed | |
| Wells Fargo Autograph Journey | Not listed | |
| BofA Travel Rewards | Not listed | |
| BofA Premium Rewards Elite | Not listed | |
| Atmos Rewards Ascent | Not listed | |
| JetBlue Plus Card | Not listed | |
| Wyndham Rewards Earner Plus | Not listed | |
| Royal ONE Visa Signature | Not listed | |
| Royal ONE Plus Visa Signature | Not listed | |
| Norwegian Cruise Line World Mastercard | Not listed | |
| Princess Rewards Visa | Not listed | |
| Holland America Line Rewards Visa | Not listed | |
| Wells Fargo Active Cash | Not listed | |
| Capital One Savor | Not listed | |
| Navy Federal cashRewards (Visa) | Not listed | |
| DoorDash Rewards Mastercard | Not listed | |
| Citi Double Cash | Not listed | |
| Capital One Quicksilver | Not listed | |
| Capital One Savor Student | Not listed | |
| Capital One Spark Cash Plus | Not listed | |
| Capital One Spark Cash Select | Not listed | |
| Wells Fargo Reflect | Not listed | |
| Wells Fargo Signify Business Cash | Not listed | |
| Navy Federal GO REWARDS (Visa) | Not listed | |
| Navy Federal Platinum (Visa) | Not listed | |
| Navy Federal cashRewards Secured (Visa) | Not listed | |
| PenFed Gold Visa | Not listed | |
| TD Double Up | Not listed | |
| PNC Cash Rewards Visa | Not listed | |
| Truist Enjoy Cash | Not listed |
Questions
Quick answers
Which credit cards list purchase protection with terms?
Of the 103 cards we checked for it, 60 list purchase protection with published terms: Chase Sapphire Preferred, Chase Sapphire Reserve, Chase Ink Business Preferred, United Gateway Card, United Explorer Card, United Quest Card, United Club Card, Southwest Rapid Rewards Plus, Southwest Rapid Rewards Premier, Southwest Rapid Rewards Priority, Marriott Bonvoy Bold, Marriott Bonvoy Boundless, World of Hyatt Credit Card, IHG One Rewards Premier, IHG One Rewards Credit Card, IHG One Rewards Premier Select, British Airways Visa Signature, Aer Lingus Visa Signature, Chase Aeroplan Card, Amex Platinum Card, Amex Gold Card, Delta SkyMiles Gold Amex, Delta SkyMiles Platinum Amex, Delta SkyMiles Reserve Amex, Hilton Honors Amex Card, Hilton Honors Amex Surpass, Hilton Honors Amex Aspire, Marriott Bonvoy Brilliant Amex, Amex Business Platinum Card, Amex Business Gold Card, Capital One Venture X, Citi Strata Elite, Citi AAdvantage Executive, Bilt Blue Card, Bilt Obsidian Card, Bilt Palladium Card, Chase Freedom Unlimited, Chase Freedom Flex, Prime Visa, Amex Blue Cash Preferred, Costco Anywhere Visa, PenFed Power Cash Rewards, Fidelity Rewards Visa Signature, Chase Freedom Rise, Chase Slate Edge, Amazon Visa, Disney Visa Card, Disney Premier Visa Card, Disney Inspire Visa Card, Chase Ink Business Cash, Chase Ink Business Unlimited, Chase Ink Business Premier, Amex Blue Cash Everyday, Amex Blue Business Cash, Amex Blue Business Plus, Amex Graphite Business Cash Unlimited, Costco Anywhere Visa Business, Navy Federal More Rewards Amex, PenFed Platinum Rewards and Alliant Cashback Visa Signature. 6 more list it without published limits or as assistance only: Citi AAdvantage Globe, BofA Premium Rewards, BofA Business Advantage Customized Cash, BofA Business Advantage Unlimited Cash, U.S. Bank Shield Visa and Robinhood Gold Card. Check your Guide to Benefits.
What does “not listed” mean for purchase protection?
It means purchase protection wasn’t on the issuer page or benefit guide we read for that card. Not listed doesn’t mean not covered: the card’s Guide to Benefits may still include it. Check your Guide to Benefits.
What should I check about purchase protection in my Guide to Benefits?
Window: days from purchase (some guides give New York residents a shorter window). Limits: per item or per claim, and per account per year. How you paid: some cards need the whole item on the card, others only part of it. Primary or secondary: many guides pay only after homeowner’s or renter’s insurance. Exclusions: commonly vehicles, perishables, items lost or left behind, and normal wear. Check your Guide to Benefits.
Gap check
Not listed for your card?
Not listed doesn’t mean not covered. Read the protection section of your card’s Guide to Benefits, or call the number on the back of the card, before you buy or file a claim.