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Return protection
Refunds an eligible item the store won’t take back, within a set number of days of purchase.
What it is
Return protection refunds the purchase price of an eligible item when the merchant won’t accept the return, within a set window after purchase. Few cards we checked list it.
What to check on your card
- Window: for example 90 days from purchase.
- Limits: per item and per year.
- How you paid: usually the whole item on the card.
- What qualifies: items must usually be in like-new condition, and many types are excluded.
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 Reserve | Listed with terms | Reimburses eligible items the store won't take back within 90 days of purchase, up to $500 per item and $1,000 per 12-month period. |
| United Club Card | Listed with terms | Reimburses eligible items the store won't take back within 90 days of purchase, up to $500 per item and $1,000 per 12-month period. |
| Amex Platinum Card | Listed with terms | 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. |
| Delta SkyMiles Reserve Amex | Listed with terms | 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. |
| Hilton Honors Amex Aspire | Listed with terms | 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. |
| Marriott Bonvoy Brilliant Amex | Listed with terms | 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. |
| Capital One Venture X | Listed with terms | Return Protection (Visa Infinite guide): eligible items bought with the card and/or its rewards are covered up to $300 per item, with an annual maximum of $1,000 per account. |
| Amex Blue Cash Preferred | 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. |
| Amex Graphite Business Cash Unlimited | 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. |
| Navy Federal More Rewards Amex | Listed with terms | Return Protection: if the merchant won't take back a designated item within 90 days of purchase, a refund of the purchase price up to $300 per item (excluding shipping and handling) and up to $1,000 annually per card account. The item must be bought entirely with the card. |
| BofA Premium Rewards | Listed, no limits published | Card page names "Return Protection". No limit stated. |
| Robinhood Gold Card | Listed, no limits published | Robinhood's Visa Signature benefits page lists Return Protection. No limit stated. |
| Chase Sapphire Preferred | Not listed | |
| Chase Ink Business Preferred | Not listed | |
| United Gateway Card | Not listed | |
| United Explorer Card | Not listed | |
| United Quest Card | Not listed | |
| Southwest Rapid Rewards Plus | Not listed | |
| Southwest Rapid Rewards Premier | Not listed | |
| Southwest Rapid Rewards Priority | Not listed | |
| Marriott Bonvoy Bold | Not listed | |
| Marriott Bonvoy Boundless | Not listed | |
| World of Hyatt Credit Card | Not listed | |
| IHG One Rewards Premier | Not listed | |
| IHG One Rewards Credit Card | Not listed | |
| IHG One Rewards Premier Select | Not listed | |
| British Airways Visa Signature | Not listed | |
| Aer Lingus Visa Signature | Not listed | |
| Chase Aeroplan Card | Not listed | |
| Amex Gold Card | Not listed | |
| Delta SkyMiles Gold Amex | Not listed | |
| Delta SkyMiles Platinum Amex | Not listed | |
| Hilton Honors Amex Card | Not listed | |
| Hilton Honors Amex Surpass | Not listed | |
| Amex Business Platinum Card | Not listed | |
| Amex Business Gold Card | Not listed | |
| Capital One Venture | Not listed | |
| Capital One VentureOne | Not listed | |
| Capital One Venture X Business | Not listed | |
| Citi Strata Premier | Not listed | |
| Citi Strata Elite | Not listed | |
| Citi AAdvantage Platinum Select | Not listed | |
| Citi AAdvantage Executive | Not listed | |
| Citi AAdvantage Globe | Not listed | |
| Bilt Blue Card | Not listed | |
| Bilt Obsidian Card | Not listed | |
| Bilt Palladium Card | 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 | |
| Chase Freedom Unlimited | Not listed | |
| Chase Freedom Flex | Not listed | |
| Prime Visa | Not listed | |
| Wells Fargo Active Cash | Not listed | |
| Costco Anywhere Visa | Not listed | |
| Capital One Savor | Not listed | |
| Navy Federal cashRewards (Visa) | Not listed | |
| PenFed Power Cash Rewards | Not listed | |
| Fidelity Rewards Visa Signature | Not listed | |
| Chase Freedom Rise | Not listed | |
| Chase Slate Edge | Not listed | |
| Amazon Visa | Not listed | |
| DoorDash Rewards Mastercard | Not listed | |
| Disney Visa Card | Not listed | |
| Disney Premier Visa Card | Not listed | |
| Disney Inspire Visa Card | Not listed | |
| Chase Ink Business Cash | Not listed | |
| Chase Ink Business Unlimited | Not listed | |
| Chase Ink Business Premier | Not listed | |
| Amex Blue Cash Everyday | Not listed | |
| Amex Blue Business Cash | Not listed | |
| Amex Blue Business Plus | Not listed | |
| Citi Double Cash | Not listed | |
| Costco Anywhere Visa Business | 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 | |
| BofA Business Advantage Customized Cash | Not listed | |
| BofA Business Advantage Unlimited Cash | Not listed | |
| U.S. Bank Shield Visa | Not listed | |
| Navy Federal GO REWARDS (Visa) | Not listed | |
| Navy Federal Platinum (Visa) | Not listed | |
| Navy Federal cashRewards Secured (Visa) | Not listed | |
| PenFed Platinum Rewards | Not listed | |
| PenFed Gold Visa | Not listed | |
| Alliant Cashback Visa Signature | 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 return protection with terms?
Of the 103 cards we checked for it, 10 list return protection with published terms: Chase Sapphire Reserve, United Club Card, Amex Platinum Card, Delta SkyMiles Reserve Amex, Hilton Honors Amex Aspire, Marriott Bonvoy Brilliant Amex, Capital One Venture X, Amex Blue Cash Preferred, Amex Graphite Business Cash Unlimited and Navy Federal More Rewards Amex. 2 more list it without published limits or as assistance only: BofA Premium Rewards and Robinhood Gold Card. Check your Guide to Benefits.
What does “not listed” mean for return protection?
It means return 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 return protection in my Guide to Benefits?
Window: for example 90 days from purchase. Limits: per item and per year. How you paid: usually the whole item on the card. What qualifies: items must usually be in like-new condition, and many types are excluded. 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.