Credit Card Return Protection: Where You’re Covered

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What is return protection?
How to use return protection
- A receipt for the item you want to return.
- A credit card statement showing the purchased item.
- A copy of the store's return policy.
- Written documentation from the store stating its refusal to accept the item.
Mastercard* | American Express* | Visa* | |
---|---|---|---|
Cards covered | All Mastercards | Select American Express Cards | Visa Signature and Infinite cards |
Duration (from purchase) | 60 days | 90 days | 90 days |
Coverage | Up to $250 per claim, 4 claims per 12 month period | Up to $300 per item, up to $1,000 per year | Visa Signature: Up to $250 per claim Visa Infinite: Up to $300 per item, up to $1,000 per year |
What's covered or excluded | Details in card benefits guide (see below) | Details in AmEx return protection policies (see below) | Details in your specific Visa Signature card’s terms and conditions, and in the Visa Infinite return protection policies (see below) |
Coverage for gifts | Gifts are covered as long as they were purchased with an eligible card | ||
Additional restrictions | Coverage is secondary; if insurance could reimburse you, you must file a claim with your insurer first | Purchases must be made within the U.S. or U.S. territories | Visa Signature: Check with your card issuer to see if you qualify Visa Infinite: Purchases must be made within the U.S. |
Source | Mastercard card benefits guide | American Express return protection policies | Visa Infinite return protection policies |
The bottom line
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