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Purchase and Warranty Benefits by Network

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Here find a breakdown of the limits of purchase, warranty and return protection by American Express, Visa Signature and MasterCard. MasterCard’s warranty service takes last place, but the issuer offers a price protection program: if you find a lower price for the same item within 60 days, they may refund the difference (terms aren’t posted online, sorry).

World MasterCard Visa Signature American Express
Purchase Protection Duration 90 days 90 days 90 days
Coverage per Incident $1,000 $500 $1,000
Coverage per Year $25,000 $50,000 $50,000
Covers Theft and damage, with limits*
Return protection Duration 60 90 days 90 days
Coverage per Incident $250 $250 $300
Coverage per Year Not disclosed $1,000 $1,000
Items not covered include Forms of transportation, plants, animals, computer programs
Warranty Extension Warranty extended by 1 year 1 year 1 year
Max duration of original warranty 1 year 3 years or less 5 years
Purchases made abroad qualify with US warranty only

In addition, the networks offer rental car insurance, and the benefits differ sharply by issuer. For a more detailed analysis, see our blog post.