Chase Price and Purchase Protection: Everything you need to know

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Wherever you fall on the points and miles spectrum, whether your a beginner or an expert, there’s likely a Chase credit card that fits your needs. We all know that Chase credit cards make earning and redeeming rewards easy and convenient for all their cardholders, but did you know that all cards come with additional benefits, at no extra cost to you?

Chase offers purchase and extended warranty protection on all cards — even those with no annual fees. Price and return protection is offered on select cards.

Here’s everything you need to know to get the full extent out of these benefits. 

What is Chase Purchase Protection?

Chase purchase protection is a benefit for Chase cardholders where Chase will repair, replace or reimburse you for items that get lost, stolen or damaged up to 120 days after purchase. This benefit only applies to eligible items but is valid for all purchases made with a Chase credit card (or Chase Ultimate Rewards points).

Depending on which card you have, you can receive up to $500 or $10,000 per claim. But keep in mind, Chase Purchase Protection only comes into effect after your primary insurance has already paid out their full amount.   

Which cards offer Chase Purchase Protection?

CardPurchase protection limitAnnual fee
Chase Freedom* (no longer available for new applicants)$500 per claim and $50,000 per account$0
Chase Freedom Flex℠$500 per claim and $50,000 per account$0
Chase Freedom Student*$500 per claim and $50,000 per account$0
Chase Freedom Unlimited®$500 per claim and $50,000 per account$0
Disney Visa Card*$500 per claim and $50,000 per account$0
Amazon Prime Rewards Visa Signature Card*$500 per claim and $50,000 per account$0
United Gateway℠ Card$500 per claim and $50,000 per account$0
Marriott Bonvoy Bold Credit Card$500 per claim and $50,000 per account$0
Ink Business Unlimited® Credit Card$10,000 per claim and $50,000 per account$0
Ink Business Cash® Credit Card $10,000 per claim and $50,000 per account$0
Starbucks® Rewards Visa® Credit Card*$500 per claim and $50,000 per account$49
Disney Premier Visa Card*$500 per claim and $50,000 per account$49
Southwest Rapid Rewards® Plus Credit Card$500 per claim and $50,000 per account$69
IHG® Rewards Premier Credit Card$500 per claim and $50,000 per account$89
Chase Sapphire Preferred® Card$500 per claim and $50,000 per account$95
Ink Business Preferred® Credit Card$10,000 per claim and $50,000 per account$95
United℠ Explorer Card$10,000 per claim and $50,000 per year$95 (waived for the first year)
British Airways Visa Signature® Card*$500 per claim and $50,000 per account$95
Aer Lingus Visa Signature® Card*$500 per claim and $50,000 per account$95
Iberia Visa Signature® Card*$500 per claim and $50,000 per account$95
Marriott Bonvoy Boundless Credit Card$500 per claim and $50,000 per account$95
World of Hyatt Credit Card$500 per claim and $50,000 per account$95
Southwest Rapid Rewards® Premier Credit Card$500 per claim and $50,000 per account$99
United℠ Business Card$10,000 per claim and $50,000 per account$0 introductory annual fee for the first year, then $99.
Southwest® Rapid Rewards® Premier Business Credit Card$10,000 per claim and $50,000 per account$99
Southwest Rapid Rewards® Priority Credit Card$500 per claim and $50,000 per account$149
Southwest® Rapid Rewards® Performance Business Credit Card$10,000 per claim and $50,000 per account$199
United Club℠ Infinite Card$10,000 per claim and $50,000 per year$525
Chase Sapphire Reserve®$10,000 per claim and $50,000 per year$550

*The information for these cards has been collected independently by Million Mile Secrets. The card details on this page have not been reviewed or provided by the card issuer.

What qualifies for Chase Purchase Protection?

Chase keeps the language surrounding their purchase protection benefits pretty vague and describes “eligible personal property” as qualifying. However, items definitely need to be purchased with a Chase card (or points) and must be damaged, stolen or lost within 120 days of purchase to qualify for the benefit.

What does not qualify for Chase Purchase Protection?

According to Chase, items that mysteriously go missing with no evidence of damage or theft do not qualify. Used items, antiques, boats, cars, planes, computer software, and items purchased for resale are not eligible for purchase protection. And ultimately, it is up to the benefits administrator to decide whether your claim qualifies for the benefit.

How to submit a claim

First, you’ll need to submit your claim within 120 days of your purchase and within 90 days of your property being stolen, damaged or lost. If your item had been stolen, you must file a police report within 48 hours of theft to be eligible for purchase protection. 

To start submitting a claim, go to the Chase website or call 1-888-320-9656 and enter the necessary information. After this, a benefits administrator will review your case and send you a claim form to be completed, and ask for additional documentation such as a credit card receipt, a copy of the police report (if theft occurred), and anything else they deem necessary. 

After all the documentation has been received and reviewed, you should hear back regarding reimbursement in about five days. In comparison, a repair or replacement will take around 15 days to process.

Victim of a car break-in? Your Chase card could come in handy. (Photo by Daniel Jedzura/Shutterstock)

Chase Extended Warranty and Return Protection

What is Chase Extended Warranty?

With Chase Extended Warranty, any eligible item purchased with a Chase credit card (or with Chase Ultimate Rewards points) will get an additional year of warranty protection. This coverage is secondary to any extended warranty or service contract given at the time of purchase. 

The benefit applies to any product with a U.S. warranty of three years or less and does not apply to used items, boats, cars, planes or computer software.

Which Chase cards offer extended warranty benefits? 

All Chase cards come with the extended warranty benefit — any card outlined under the purchase protection section also has extended warranty protection.

What is Chase Return Protection?

With Chase Return Protection, cardholders can be reimbursed for a purchase they made within 90 days, by Chase, if the original seller will not accept the return. This is only available for purchases made on certain Chase credit cards (or with Ultimate Rewards from those cards) and for certain items. 

Return protection covers up to $500 for each eligible item with a maximum of $1,000 per year. The benefit does not apply to damaged items, tickets, jewelry, formal attire, cars, boats, plants, animals, computer software or gift cards. 

Which Chase cards offer return protection?

  • Chase Sapphire Reserve
  • United Club Infinite Card

How to submit claims for extended warranty and return protection

To submit an extended warranty claim or return protection claim, you must visit the Chase website or call 1-800-874-7702 to file a claim within 90 days of the product’s failure or a merchant’s rejection of a return. Once your claim has been submitted, a benefits administrator will send you another claim form, which must be completed within 120 days.

After your claim has been verified, your item will be replaced or reimbursed at the benefits administrator’s discretion for extended warranty and reimbursed for return protection. For a return protection claim to be approved, the item must be in like-new condition. 


What are the main benefits of having purchase protection?

The number one benefit of purchase protection is that it’s free and comes with any Chase credit card — you don’t have to sign-up or pay any extra fees to get the protection. With purchase protection, you’re protected against theft, lost and damaged items. There’s no reason not to file a claim if something does happen to an item you purchased with your Chase card.

Bottom line

Having a Chase credit card comes with awesome benefits you might not even have known existed. Next time you make a purchase with your card and something goes wrong — may it be theft, damage, dislike or loss — check the benefits your card offers and submit a claim. You could get a refund or get the item replaced or repaired in exchange for your troubles! 

(Featured image by oatawa/Shutterstock)

Alexandra Maloney is a contributor for Million Mile Secrets where she covers points and miles, credit cards, airlines, hotels, and general travel. She's worked as a writing consultant for the University of Richmond and is a features writer for The Collegian UR.

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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